正规金融是指通过国有商业银行、政策性银行、股份制商业银行等正式金融中介机构和金融市场进行的资金融通。
3 一、非正规金融的涵义及主要形式 （一）非正规金融的涵义 非正规金融（informal finance）是相对于正规金融(formal finance)而言 的，对于正规金融和非正规金融的界定，理论界目前尚未形成统一的认识。
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In many developing countries, that informal finance coexists with formal finance is the reflection of the obvious dualistic economic structure.
在许多发展中国家中存在着明显的经济二元性结构,反映到金融领域就表现为正规金融与非正规金融的并存。
参考来源 - 中国西部地区非正规金融发展：模式选择、制度设计与政策建议Secondly, in the formal financial market, rational rate of collateral is propitious to achieve equilibrium and expand financing scale; however, it will cause rural SMEs which have low profit to seek financing in informal financial market.
二是在正规金融市场上,合理抵押品率有利于融资均衡实现并扩大融资规模,但会使低收益的农村中小企业转向非正式金融市场融资。
参考来源 - 农村中小企业融资行为研究China's financial repression determines the path of institutional transition of interest rate liberalization, formal financial system can't meet the financial needs of the SMEs adequately, but it induce the rise of Non-governmental Finance.
我国的金融抑制决定了利率市场化的制度变迁路径，正规金融制度的信用渗透力不足，无法满足中小企业的融资需求“诱导”了民间金融的兴起。
参考来源 - 利率市场化下“三方机制”探析—《改革与战略》—2009年第3期—龙源期刊网·2,447,543篇论文数据，部分数据来源于NoteExpress
农村正规金融和非正规金融面临着不同的制度结构。
We suppose that rural formal finance differ from the informal ones in institutional structures.
农村非正规金融的存在对正规金融市场的影响，国内学者有不同的认识。
Demestic scholars have different understanding market impact of rural non-formal financial and the formal financial.
作为一种制度安排，非正规金融在最近引起理论界和决策部门的普遍关注。
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.
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