对我国民间金融何处去问题之法律思考

STUDY ON THE PROBLEM OF WHERE CIVIL FINANCE WILL GO

民间金融是受我国正统金融挤压下供与求的产物。虽然存在的不一定全部是合理的,但是作为现实的存在物,民间金融反映出了我国经济体制改革所内生的问题,如国企与银行之间的粘性关系、金融资源配置的扭曲等。因此,法律回应已是必然之要求,然而基于金融法的第一性价值——秩序与安全,法律松绑是理性、适度而有条件的。

Civil finance is the advent of pressure from legitimate finance. Though the existing things arent necessarily reasonable, as the objective existence, civil finance has reflected the inborn problems of our economic system such as the old-brother relation between state-owned industries and commercial banks, etc. Thus, it is a matter of fact to legally untie civil finance with rationality, conditions and degree on the basis of financial security and order.