农村民间高息借贷发展的原因及对策

立足于宁夏盐池某村民间高息借贷的发展现状,从社会学视角出发对民间高息借贷强势发展这一社会现象的原因进行分析。认为民间高息借贷具有即时性、灵活性等特点,正规金融机构对农民贷款的排斥,农民的主观意向与农村熟人社会特征的综合作用,促成民间高息借贷强势发展。应加强立法,规范借贷行为,引导农村民间高息借贷在法律框架内运作。

Reasons of and countermeasures for high-interest debit and credit in rural Areas

This paper studies the case of high-interest debit and credit in a village of Ningxia Hui Autonomous Region,to analyze the reasons why high-interest debit and credit develops so much in rural areas from a sociological perspective.The reasons include the advantage of high-interest debit and credit,formal financial institutions' exclusion to peasants,peasants' subjective tendency,and the characteristic of a face-to-face-society in rural areas.We must strengthen legislation;restrict the lending and borrowing behavior and pilot high-interest debit and credit in rural areas to operate following the law.