摘要
随着农村经济的不断发展，农村民间金融借贷在农村经济中扮演着越来越重要的角色。然而，当前农村民间金融借贷面临着诸多问题，如借贷规模庞大但方式单一、借贷手续简便但规范欠缺、以及缺乏有效的监管等。这些问题不仅影响了农村金融市场的健康发展，也给农村经济的稳定增长带来了潜在风险。针对农村民间金融借贷的现状，应采取一系列对策加以解决。首先，要完善相关法律法规，明确农村民间金融借贷的合法地位，为农村民间金融借贷提供法律保障。其次，要加强农村金融机构建设，提高农村金融服务水平，满足农民多样化的金融需求。同时，还要引导农民树立正确的金融观念，增强金融风险防范意识。对于农村民间金融借贷的监管也是至关重要的。应建立健全农村民间金融借贷的监管体系，加强对农村民间金融借贷的监测和预警，及时发现和化解风险。同时，还要加大对非法金融活动的打击力度，维护农村金融市场的稳定和安全。农村民间金融借贷在促进农村经济发展中发挥着重要作用，但也存在诸多问题。只有采取有效对策加以解决，才能确保农村民间金融借贷的健康发展，为农村经济的稳定增长提供有力支持。
关键词：农村民间金融借贷；现状；对策
Abstract
With the continuous development of the rural economy, the rural private financial lending is playing an increasingly important role in the rural economy. However, at present, the rural private financial lending is faced with many problems, such as a large scale of lending but a single way, simple lending procedures but lack of norms, and the lack of effective supervision. These problems not only affect the healthy development of the rural financial market, but also bring potential risks to the stable growth of the rural economy. In view of the current situation of rural private financial lending, a series of countermeasures should be adopted to solve it. First of all, relevant laws and regulations should be improved to clarify the legal status of rural private financial lending and provide legal guarantee for rural private financial lending. Secondly, we should strengthen the construction of rural financial institutions, improve the level of rural financial services, and meet the diversified financial needs of farmers. At the same time, we should also guide farmers to establish correct financial concepts and enhance the awareness of financial risk prevention. The supervision of rural private financial lending is also crucial. We should establish and improve the supervision system of rural private financial lending, strengthen the monitoring and early warning of rural private financial lending, and find and resolve risks in time. At the same time, we should strengthen the crackdown on illegal financial activities to maintain the stability and security of the rural financial market. Rural private financial lending plays an important role in promoting the development of rural economic development, but there are also many problems. Only by taking effective countermeasures to solve the problem, can we ensure the healthy development of rural private financial lending and provide strong support for the stable growth of rural economy.
Keywords：Rural private financial lending; present situation; countermove
目 录
摘要 I
Abstract II
一、绪论 1
（一）研究背景及意义 1
（二）研究目的和内容 1
（三）国内外研究现状 1
二、农村民间金融借贷概述 3
（一）民间金融借贷的基本概念 3
（二）民间金融借贷的特点 3
（三）农村民间金融借贷的发展历程 4
三、农村民间金融借贷的现状分析 5
（一）借贷规模与结构 5
（二）借贷主体与参与方式 5
（三）信用风险及其管理 6
四、农村民间金融借贷存在的问题 7
（一）信息不对称与道德风险 7
（二）监管缺失与法律空白 7
（三）资金流动性与风险分散 8
五、农村民间金融借贷的发展对策 9
（一）健全的信息披露和信用评级机制 9
（二）构建多层次监管框架 9
（三）建立多元化的融资渠道和风险控制机制 10
结 论 11
参考文献 12
