对乌海市民间融资规范化问题的思考

伴随着乌海市经济的发展与腾飞,民间融资日趋活跃,已成为支持乌海市经济发展的重要力量。然而目前关于民间融资的政策、法规尚未完善,正规的金融机构不能满足巨大的资金需求、民间融资缺乏正确的引导这些问题的存在,使乌海市民间融资出现了高利融资,非法吸收公众存款,资金的不合理流向等等不规范现象,不仅遏制了乌海市民间融资的进一步健康发展,还产生了信用风险,扰乱了金融秩序,给金融市场带来不稳定因素。因此,正确引导民间融资,合理推动民间融资在乌海市的健康发展无疑具有重要的现实意义。

With Wuhai City's development and the growth of the economy, private financing has become increasingly active, it has become an important force for economic development of Wuhai. However, there is a policy on private financing, regulations have not yet perfect, formal financial institutions can not meet the huge demand for funds, private financing of the lack of proper guidance of these problems, triggering some unconscionable phenomenon, such as financing with high profit, absorbing public deposit illegally and with unreasonable direction of the fortune not only to curb the Wuhai further healthy development of private financing, but also produced Credit risk and disrupt the financial order, to the financial markets instability. Therefore, the right guides private financing, private financing in Wuhai reasonable to promote the healthy development of the city undoubtedly has important practical significance.