按照亚洲发展银行(ADB)(1990)的定义,非正规金融是指不受政府对于资本金、储备和流动性、存贷利率限制、强制性信贷目标以及审计报告等要求约束的金融部门。改革开放以来,随着我国市场经济地位的不断确立,非正规金融不断以一种“草根”创新的方式,表现出了强大的生命力,并且在我国的经济生活中发挥了日益重要 As defined by the Asian Development Bank (ADB) (1990), informal finance refers to the financial sector that is not subject to government constraints on capital requirements, reserves and liquidity, deposit and lending rates, mandatory credit objectives, and audit reports. Since the reform and opening up, with the continuous establishment of the market economy status in our country, non-formal finance has continuously demonstrated its vitality in a “grassroots” innovative way and has played an increasingly important role in our country’s economic life