规范中国民间金融的对策思考

Reflection on the Regulation of People-to-People Finance in China

民间金融是与官方正式金融相对应的概念,指以个人信用为基础的、通过绕开官方正式金融体系而直接进行的、未得到国家法律认可的、尚未纳入政府监管范围的金融交易活动。目前,社会上存在着相当规模的民间金融活动,这些民间金融活动客观上能够灵活调节社会资金余缺,对扶持个体经济、民营经济、地方经济起到了不可忽视的作用,但民间金融大规模的资金流动还处于无序状态,隐藏着巨大的金融风险。因此,应尽快完善法律法规,明确民间金融的地位,规范民间融资行为,实现民间金融的正规化、合法化。

People-to-people finance, a concept just opposite to official and formal finance in China, means financial trading, which, based on personal credibility and making a detour off legal financial system, are out of governmental control and supervision. At the present time, there is a rather large scale of such activity in our society. It is the internal cause for the existence of these activity that both supply and demand of fund are thriving. The channel for the regular finance is not so effective and this is the external reason which results in the phenomenon of people-to-people finance. We should analyze its status quo and vista wholly and properly, when enforcing supervision, seeking its advantages, avoiding the disadvantages and providing possible guides for its healthy development.