民间金融本身具有不可替代性,它弥补了正规金融机构的不足,为民间借贷等提供了渠道。然而,我国民间金融在其发展过程中还存在许多问题：利率不稳定和难以控制、风险巨大且难以得到法律的保护,给国家宏观调控带来诸多困难。因此,国家必须对我国的农村民间金融加以规范,如明确民间金融的合法地位、加强监管和规范、完善民间金融避险机制以更好地促进我国的民间金融的发展。%The folk finance which is irreplaceable,can make up for the lack of formal financial institutions and provide folk debit and credit with other channels.However,there are still many problems in the development process of China's folk finance: such as interest rates being unstable and difficult to control,the risk being huge and difficult to get legal protection,having brought many difficulties to the national macro-control and so on.Therefore,the state must regulate China's rural folk finance,such as making clear the legal status of folk finance,strengthening supervision and regulation,perfecting the folk finance risk aversion mechanisms in order to promote the development of China's folk finance well.
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