The reasons include the advantage of high-interest debit and credit,formal financial institutions exclusion to peasants,peasants subjective tendency,and the characteristic of a face-to-face-society in rural areas.

Especially, with the commercialization of microfinance, micro-credit of formal financial institutions will perform an important function in rural finance.

Empirical study on the low efficiency of formal finance in rural areas in china;

The Docking of Formal Finance and Informal Finance;

At first this paper expatiate the variance of rural formal finance and informal finance from their history and status quo.

because of the complement relation with each other between the regular finance and folks finance, the both connecting is possible.

There is size advantage and cost advantage in regular finance wihle there is information advantage in irregular finance,however,in China irregular finance has been pressed for quite a long time.

We are also required to restrain and standardize it by improving the current regular finance.

On Mechanisms and Institutional Arrangements of Informal Finance in the Rural Anti-poverty;

The Econometric Analysis Of China s Rural Development Of Informal Finance And Its Economic Growth;

On the Efficiency of China s Rural Informal Finance;

There is size advantage and cost advantage in regular finance wihle there is information advantage in irregular finance,however,in China irregular finance has been pressed for quite a long time.

Recently, irregular finance, as one of the institutional arrangements, has attracted the general attention of the theoretical circle as well as the decision-making sectors.

Is irregular finance the transitional institutional arrangement or an indispensable part of the finan cial market system? The understanding of this problem will influence the effect of the policy about irregular finance of our country.