【摘要】 从金融监管角度看 ,民间信贷蔓延的根源在于滞后的农村金融体制 ,而民间信贷蔓延的外部条件则在于金融监管的法制不健全和手段、方法的落后。因此 ,治理民间信贷的根本出路是改革现有的农村金融体制 ,建立以合作金融为主体的农村金融新体制。更多还原

【Abstract】 The article analyses the roots of non governance credit through the aspect of financial supervision.The root of the wide spreadization of nongovernance credit lies in the lagged rural financial system. The unsound financial supervision system,undeveloped controlling measures and the lack of scientific administration are the external conditions for the spreading of non governance credit.Harnessing non governance credit needs to fundamentally reform the current rural financial system and to establish an innovative rural financial system which is based on cooperate finance.更多还原