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.
在正规的金融机构诞生之前，人类经济活动中的资金融通几乎全部依赖于民间性质的借贷来解决。
Before the birth of the formal financial institutions, finance in the human economic activity mainly depended on informal credit.
然而，长期以来在农村金融抑制和“二元金融”结构的影响下，正规金融机构对农户的有效资金需求一直无法真正给予满足。
However, due to finance constraints and "dual finance" structure, the formal financial institutions have little ability to fit the rural households' fund needs.
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