在市场经济背景下,随着市场体制的逐步完善,涌现出了更多的建立在正式机构之上的民间金融组织机构。该机构创造了一定的效益,推动了社会的发展,主要体现在农田水利以及农户创业等领域。然而,实践活动表明,因财务管理机制缺少完整性,使民间金融机构非常容易面临风险威胁,所以,应构建完整和成熟的管理机制,以此来全面防控各种风险。 With the gradual improvement of the market system in the context of a market economy, more and more private financial institutions have emerged on the formal institutions. The agency has created some benefits and promoted the development of the society, mainly in the fields of farmland water conservancy and peasant entrepreneurship. However, the practice shows that due to the lack of completeness of the financial management mechanism and making the non-government financial institutions vulnerable to the threat of risk, a complete and mature management mechanism should be established in order to comprehensively prevent and control all kinds of risks.