中文摘要：

金融生态是分析我国金融问题的新视角和新方法，本文将其引入到我国的农村金融问题中，从论述我国农村非正规金融的历史发展、产生原因和产生环境入手，探讨非正规金融在我国农村存在的合理性以及其积极作用，最后针对其内在发展趋势而提出政策建议。

英文摘要：

Financial ecology is a new viewpoint and way to analyze the problem of China finance, and this article utilizes the method in considering the problem of China rural finance. In the beginning, we discuss the history, the causes and the cause environment of China rural informal finance in order to confer the rationality of informal finance, and then talk about its advantages, finally, this paper offers policy suggestions in accordance with its internal development tendency.