CAJ | 학술논문

农村民间金融广泛存在虽有其客观原因，但却存在许多问题，如经营风险较大，缺乏法律保护易产生经济纠纷，借贷利率过高扰乱农村金融秩序，自发无序发展影响到国家宏观经济政策调控效果等问题。因此，应通过制定相关法律法规赋予民间金融合法地位，加强农村民间金融监管，加快农村中小企业发展和提高农民收入，放宽民间金融的市场准入并建立退出机制，加强农村民间金融与官方金融之间的合作，可以规范农村民间金融发展。
농촌민간금융엄범존재수유기객관원인，단각존재허다문제，여경영풍험교대，결핍법률보호역산생경제규분，차대리솔과고우란농촌금융질서，자발무서발전영향도국가굉관경제정책조공효과등문제。인차，응통과제정상관법율법규부여민간금융합법지위，가강농촌민간금융감관，가쾌농촌중소기업발전화제고농민수입，방관민간금융적시장준입병건립퇴출궤제，가강농촌민간금융여관방금융지간적합작，가이규범농촌민간금융발전。
There are objective reasons for the existence of informal finance in rural areas. The problems are obvious,including high business risk,economic dispute caused by inadequate legal protection,high borrowing rate,and the disorder that negatively affects the state’ s macro-economic policy. It is suggested to make the informal finance legal with laws and regulations. Financial regulation should be enforced. Furthermore,the middle and small business should be developed to increase farmers’ income. Market access and exit system for informal finance sys-tem should be established. There should be cooperation between the informal finance and offi-cial finance system.