Rural Formal Financial And Informal Financial Cooperation Path Research

Long-term since, our country rural financial supply, financial low efficiency of have been unable to get effective solve, perhaps the reason is various, but rural regular financial and complementary advantages of non-formal finance not normal play comes out and the lack of cooperation is the important reason. From the practice of existing, rural regular financial and informal financial cooperation to a certain extent, to make up for the rural financial supply, improve the financial efficiency, but the cooperation is still in shallow level stage. So, how to better achieve rural regular financial and informal financial cooperation is the theoretical study of a very important topic.In this paper, the theoretical analysis matting, first detailed introduced dual financial theory and transaction cost theory, financial efficiency theory, this paper analyzes the rural regular financial and informal financial cooperation of necessity and feasibility. On this basis, according to the actual conditions of our country, analyzes the existing main path, and cooperation of both the effect of analysis, the result shows that, at present our country rural regular financial and informal financial cooperation overall effect is good, but the reality of the less objective practice, it has certain restricting factors.On this basis, this paper mainly by using the game theory to both the benefits of cooperation may and cost analysis, but also to two kinds of cooperation path analysis of influence factors;Since the reform and opening up, the study found that a rural regular financial and informal financial cooperation net profit is far outweigh the without cooperation gains, so is the result of two sides game choose cooperation; It was some factors, the factors of entrust loan cooperation were regulators to verify the entrusted party illegal probability of success, check out the entrusted party of the entrusted party after an irregularity of a fine; Wholesale loans the influence factors of cooperation mode for excess profit and cooperation cost.Thus it can be concluded that rural regular financial and small-loan company or professional lenders, rural regular financial and leading enterprise, rural financial formal financial and guarantee the company’s cooperation,rural regular financial and team cooperation or professional co-operatives cooperation, this four cooperation path in the vast rural areas promotion is very appropriate;Bundled loans needs certain bound condition, and needs according to the local rural reality conditions to choose; entrust loan, agency intermediary business, wholesale type loans this three cooperation path is not suitable for big range promotion apart.Finally, according to our country rural regular financial and informal financial cooperation in the path to the problems puts forward policy Suggestions, so as to promote the smooth cooperation.