The Standardized Development Of China's Rural Non-Formal Financial

In recent years, with the increasing demand of rural financial, the formal financial services have become more and more inadequate, and their credit in rural areas has weakened. Thus, the informal financial came into being. From the current financial activities of the realistic perspective in Chinese rural areas,because of lack of finance, the informal financial developed and rural financial dependence for the informal financial is much higher than the financial system. It is precisely because a large number of enterprises have strong thirst for capital, the informal financial having been in existence developed rapidly. Both in developed and developing countries, informal financial became the main way of capital flows in rural areas. But because of the national policy restrictions, financial the development of informal financial in rural is relatively backward. China's dual economic structure of the conversion depends on private financial financing function, the real economy, the private finance are due to hidden tremendous risk, non-governmental financial letter to be standardized. Therefore, the development of private financial problem of standardization has important practical significance. This paper attempts to analyze the existence and development as well as the reasons behind the rationality of its existence of China's informal financial, at the same time trying to under the non-formal financial reasons for the emergence of the development of rural areas on how to correctly understand the existence of non-formal finance and development, how should the Government to actively guide and make rational use of theoretical analysis and policy recommendations. This will gradually resolve the shortage of rural financial problems, the role of non-formal financial positive financial service functions, improve China's rural financial system and reduce financial risks and other places have important practical significance.