我国农村金融市场存在严重的信息不对称，农户缺乏抵押品，很难从正规金融机构获得贷款。
China's rural financial market has serious problem of information asymmetry, which farmers lack collateral, so it is difficult to obtain loans from formal financial institutions.
从非正规金融各利益主体作为经济主体逐利倾向的角度考虑，非正规金融正规化是各利益主体出于自身利益考虑之后的选择。
From the point that various interest groups pursue profit, informal finance's regularization is the result of their choice under the profit-driven considering.
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