【作者】 刘伟；

【导师】 姚佐文；

【作者基本信息】 安徽农业大学 ， 产业经济学， 2013， 硕士

【摘要】 安徽农村在经济体制改革和中部崛起战略的推动下，已逐渐摆脱了相对贫困的局面，农村经济得到迅速发展。经济发展需要大量流动资金支持，而安徽农村地区因地理条件和历史条件限制，农户自有资金有限、政策性支农资金覆盖面狭窄、正规金融机构处于降低成本和分散风险的考虑逐步减少对农村信贷资金的投放，直接导致了农村农户及企业无法从正规金融渠道获得资金。面对发展机遇，安徽农户及中小企业没有坐以待毙，而是纷纷转向非正规金融渠道进行融资。所以，从目前来看，只依靠单纯的正规金融市场已很难满足安徽农村经济主体的发展需要，长期处于隐蔽状态的农村非正规金融活动在很大程度上替代了正规金融对经济增长的影响作用。但长期以来，非正规金融问题一直被政府部门和金融监管当局所忽视甚至敌视，常被冠以“扰乱金融秩序”罪名打击或者限制，并未取得与其地位相符的身份。可是，非正规金融活动并没有因此而退出农村市场，反而愈加显现出活跃的状态。本文首先介绍了非正规金融存在的基本形式及特征，从表现形式上直观显示出其与正规金融的不同之处，并从理论和安徽农村实际情况出发回顾了非正规金融蓬勃发展的原因。其次利用宏观经济学和计量学原理从实证角度分析了非正规金融对安徽农村经济增长的影响，阐明了农村非正规金融相对于正规金融在融资成本、借贷相关手续、资金的可获得性方面具有比较优势，指出了非正规金融在安徽农村经济发展和农民生活水平提高方面利大于弊，政府及金融监管部门应正视非正规金融的存在。由于产生于农村金融市场内部，没有有效的约束机制及内部控制制度，安徽农村非正规金融也存在着许多弊端，如经营的不规范性、高风险性、投机性、隐蔽性等。这些缺陷直接导致农村资金流向不可控制，削弱了国家宏观调控政策对于农村地区的影响，在一定程度上干扰了正常的农村金融秩序，严重时更会引起社会的不安定。因此政府及相关金融部门应从安徽农村实际情况出发，对农村非正规金融进行积极的引导和合理的利用，因势利导，趋利避害，构建和谐的正规金融和非正规金融并存的二元金融结构，促进安徽农村经济社会发展实现质的飞跃。更多还原

【Abstract】 Economic reform and rural Anhui in central China strategy, driven by the relativepoverty has gradually get rid of the situation, the rapid development of the rural economy.Economic development requires substantial liquidity support, Anhui rural areas due togeographical conditions and historical conditions, farmers own limited funds, policycoverage of agriculture funds narrow, formal financial institutions in reducing cost andrisk diversification considerations gradually reduce rural credit funds invested, a directresult of the rural households and enterprises are unable to obtain funds from the formalfinancial channels. The face of development opportunities, Anhui farmers and enterprisesdo not sit still, but have turned to non-formal financial channels for financing. So, fornow, just rely purely formal financial markets have bee n very difficult to meet Anhuirural economic development needs of the body, the long-term remains hidden in ruralnon-formal financial activity largely replaced the formal financial impact on economicgrowth effect. For a long time, the informal financial problem has been governmentdepartments and financial regulatory authorities ignored or even hostility, often dubbed"disrupting financial order" offenses against or limit, did not achieve the status of theiridentity. However, non-formal financial activities has not been out of the rural market,but increasingly showing active state.This paper first introduces the basic form of non-formal financial and characteristics,shows the difference with the formal financial intuitive form of expression, and thedeparture from the theoretical and the actual situation in rural areas in Anhui review ofnon-formal financial booming. Second, we use the principle of metrology from anempirical point of view of the non-formal financial impact of the economic growth inrural areas of Anhui, to clarify the Rural Informal Finance has a comparative advantagein financing costs, borrowing procedures, the availability of funds, relative to the formalfinancial pointed out that the non-formal financial advantages outweigh thedisadvantages in Anhui rural economic development and improve the living standards offarmers, government and financial regulatory authorities should face up to the existenceof non-formal finance.As produced in the interior rural financial markets, there is no effective restraintmechanism and internal control systems, Anhui Rural Informal Finance there are manydrawbacks, such as the operation is not standardized, high-risk, speculative, concealment and so on. These deficiencies led directly to the rural capital flows can not control,undermine national macro-control policies for rural areas affected, to a certain extent,interferes with the normal financial order in rural areas, it will lead to serious socialinstability. Therefore, the Government and the relevant financial sector should Anhuiactual situation in rural areas, the rural non-formal financial actively guide andreasonable use, capitalize on the trend, while avoiding disadvantages, harmonious formalfinancial and non-financial co-existence of formal dual financial structure, promoteeconomic and social development in rural areas of Anhui achieve a qualitative leap.更多还原