A Research On The Reason And Management Countermeasure Of Informal Finance In The Countryside

In our country informal finance has been the object which the government attacks, bans, but it should the objective demand exist throughout, explained has constructed the formal finance is unable to meet realistic and the latent need, massive rural population and the small and medium-sized enterprise unmet needs is unable through the regular finance to obtain satisfies, the informal finance is in the key position in our country. Therefore this article thought that the countryside informal finance the connotation, how does have the reason and manages and so on questions to conduct the research, regarding the perfect rural finance system, alleviates the countryside area finance short question, to reduce the rural finance risk and to promote aspects and so on countryside area economic development to have the practical significance. This article altogether divides into seven chapters:The first chapter of introduction. This chapter mainly introduced the research background and the significance, domestic and foreign about informal financial research some present situations.The second chapter mainly briefed the countryside informal finance development present situation and the characteristic. Has analyzed the countryside informal finance emphatically in the development present situation in our country's historical development, the configuration of organization, the scale, in the legal status and so on. In is mainly carries on the comparison to the countryside informal finance characteristic's research in with the regular finance, the utilization comparison analytic method.The third chapter is mainly the reason which produces to the informal finance carries on the analysis. Is also this article key part. This chapter mainly from the system economic, the information economics, the small farmer and the countryside small and medium-sized enterprise four angle pair process's reason carries on the analysis. Then obtains informal financial the widespread existence and the development, is result which the market mechanism spontaneous function and the finance deepen, because the non-regular finance in aspects and so on information, transaction cost, guarantee has the formal financial hard to compare superiority, therefore it can make up the unmet needs which the regular financial supplies are insufficient, provides the partial financial product, informal finance's production has its intrinsic inevitability.The fourth chapter has carried on the analysis to the informal financial existence advantages. Definitely it in economic development's influential role, simultaneously has pointed out the informal financial existence the subject matter.The fifth chapter introduced overseas manages the informal financial main experience. Mainly carries on the explanation in this chapter take US and Japan as the example.The sixth chapter proposed manages the countryside informal finance the underlying policy to suggest, promotes its benign development.