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中文摘要：
民间借贷的存在对农村金融生态产生了重要的影响。从积极方面看，其优化了农村信用环境，提高了农村金融市场的竞争性，实现了农村资金的本土化利用；从消极方面看，其加大了金融风险，扰乱了金融秩序，削弱了金融调控效果并导致金融纠纷频发。针对这些消极影响，提出规范民间借贷、促进农村金融生态良性发展的对策建议。
英文摘要：
The existence of private loan has a major impact on rural financial ecosystem. On the positive side, it optimizes the rural credit environment, improves the rural financial market＇s competitiveness, promote the local use the rural funds; on the negative side, it increases the financial risks, disturbs the financial order, weakens the effectiveness of financial regulation and leads to financial disputes frequently. To remove these negative effects, the paper proposes some suggestions on governing such private loan for the development of the rural finance ecosystem.
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