Mechanism Research on Standardized Development of Rural Private Finance

In generalizing the researching conditions of researchers on private finance, the paper introduces the connote meaning of rural private finance broadly and narrowly. The paper states the forms of rural private finance (including private loaning, private bank, rural private collecting, financing organizations, cooperatives, NGO, small loaning organizations and so on), the relations between rural private finance and rural economic relations, pointing out that it is the combination of the strong and the weak, which may generate benefits with the operation of marketing mechanisms. The paper analyzes the historic causes, supervision causes and cultural causes of rural private finance, discussing mechanisms of standardized development of rural private finance: firstly, standardize the organization management mechanisms, including scaled controlling mechanisms and bank management mechanisms; secondly, complete finance supervision mechanisms; thirdly, moderate government intervention, including affording liberal policy environment and reducing the improper intervention; fourthly, upgrading qualities mechanisms, including cultivating the rural credit culture and improving the quality of regulatory personnel.