软法视角下农村民间借贷法律机制的研究

民间借贷是民间金融的一个部分，随着经济主体与经济活动的日益多元化，已融入社会金融体系中。活跃在农村地区的农村民间借贷却被国家正规金融所排斥与国家法律政策的打压，文章从农村民间借贷现实运行的状况基础上，归纳其存在的问题及成因分析，结合软法在农村生活中的规范与引导作用，提出促进农村民间借贷规范发展的法律机制的建议与对策。

Soft Law Perspective Legal Mechanisms in Rural Areas of Private Lending

Private finance, private lending is a part of economic entities and economic activity along with the growing diversi- fication of the financial system has been integrated into the community. Active in rural areas, rural folk lending been rejected by the formal financial state and national laws and policies of the pressure. This paper tries to run from the rural reality of the situation of private lending, based on an inductive analysis of the problems and causes, combined with soft- law norms in rural life and the guiding role of private lending standards on the promotion of rural development in legal mechanisms.