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首页> 外文会议>Rural Finance and Credit Infrastructure in China >ACTIVE INFORMAL FINANCING IN RURAL CHINA: A CASE STUDY OF ROTATING SAVINGS AND CREDIT ASSOCIATIONS IN A CHINESE VILLAGE
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ACTIVE INFORMAL FINANCING IN RURAL CHINA: A CASE STUDY OF ROTATING SAVINGS AND CREDIT ASSOCIATIONS IN A CHINESE VILLAGE

机译：中国农村地区的主动非正式融资：以中国乡村轮换储蓄和信贷协会为例

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Difficulties continue to emerge in the financing sector of the formal system for supporting Chinese economic development because reforms of the financial system have been slow. Two of the most serious problems are that formal financing structures are not capable of providing sufficient capital for the development of private enterprises and it provides too little capital for the development needs of rural areas. In addition, access to funding needed by rural households/farmers for non-productive activities, such as purchasing durable consumer goods, house building, schooling, medical care, etc., is almost non-existent. Formal savings and loan structures are missing. As a result, with the rapid growth of the private and rural economy in recent years, informal finance in various forms in both the rural and urban areas plays an increasingly important role as a key supplement to more formal finance institutions, and this despite the many restrictions imposed on informal finance by the government. This article examines, as an example, the village of Xiang Dong in Zhejiang province where the author inquired into the use of Rotating Savings and Credit Associations (ROSCAs) over the past decade. These associations are part of a traditional informal financing system in rural China.
机译：由于金融体系的改革进展缓慢，正规体系的融资部门继续出现困难以支持中国的经济发展。最严重的两个问题是，正规融资结构无法为私营企业的发展提供足够的资金，而为农村地区的发展需求提供的资金却太少。此外，几乎不存在农村家庭/农民进行非生产性活动所需的资金，例如购买耐久消费品，房屋建筑，学校，医疗等。缺少正式的储蓄和贷款结构。结果，随着近几年私人和农村经济的快速增长，农村和城市地区各种形式的非正式金融作为更正规金融机构的关键补充，发挥着越来越重要的作用。政府对非正式融资施加的限制。本文以浙江省向东村为例，在过去十年中，作者询问了循环储蓄和信贷协会（ROSCA）的使用。这些协会是中国农村传统的非正式融资系统的一部分。

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