农村地区民间借贷的风险与防范

农村地区民间借贷的风险与防范摘要我国现阶段，受各种原因的综合影响，农民对资金需求增加。正规金融不足以满足农民需求，许多农民选择更多的民间借贷。农村地区民间借贷在很大程度上可以帮助农民解决资金不足的问题，用于临时周转，缓解农民资金压力，但是其有极大的风险性。因为农村地区民间借贷过程不注重借贷手续，且农民为了获取高收益，对风险预估能力不够等原因，会产生诸多风险。为了防范其风险，正规金融机构需要深化金融改革、改进金融服务，与民间借贷联合起来：国家需建立善民间借贷相关法律，加大对民间借贷的监管以及对农民法律知识宣传：广大农民朋友也要提高自身风险意识，增强自身综合能力，减少农村民间借贷纠纷发生的可能性。关键词：农村民间借贷：法律与监管：正规金融：防范风险Risks and prevention of private lending in Rural areasAbstractAt the present stage of China,under the comprehensive influence of variousreasons,farmers'demand for funds increases.Formal finance is not enough to meetthe needs of farmers,many farmers choose,private lending.Private lending in ruralareas to a large extent can help rural areas of farmers solve the problem of insufficientfunds,use it for temporary turnover and relieve the financial pressure of farmers,butit has great risks.Because the process of private lending in rural areas does not payattention to the lending procedures,and farmers in order to obtain high returns,therewill produce many risks.In order to prevent their risks,formal financial institutionsneed to deepen financial reform,improve financial services,and combine with privatelending;the state should establish good laws on private lending,increase thesupervision of private lending and publicize the legal knowledge of farmers;farmersshould also improve their risk awareness,enhance their comprehensive ability,andreduce the possibility of rural private lending disputes.Key Words:Rural private lending;law and regulation;formal finance;risk prevention目录引言…51导论，1.1研究背景61.2研究意义.061.3研究目的….61.4研究现状.71.4.1民间借贷内涵的研究…071.4.2农村地区民间借贷产生的原因的研究…71.4.3农村地区民间借贷特点的研究71.4.4农村地区民间借贷风险的研究.…81.4.5农村地区民间借贷防范地研究.82农村地区民间借贷的一般理论…92.1农村地区民间借贷的内涵92.2农村地区民间借贷的形式92.2.1集资型借贷.…92.2.2互助型借贷92.2.3不规范的中介借贷..102.2.4高息型借贷102.3农村地区民间借贷的特点..102.3.1借贷主体和用途的多元化102.3.2借贷手续简单2.3.3利率形式多样.113农村地区民间借贷的存在风险的原因分析.123.1农村地区民间借贷风险的制度因素.…123.2农村地区民间借贷风险主体因素.133.2.1借贷手续不规范….133.2.2借款人还款能力不稳定.13