论我国非吸储类放贷人的监管及其法律完善

On Regulation and Legal Improvement of the Non-Deposit-Taking Lenders in China

我国非吸储类放贷人体系由非银行金融机构放贷人、非金融机构放贷人和民间放贷人构成。非吸储类放贷人的监管应以区分商业信贷和消费信贷为前提,实行统分结合的层次化伞形监管模式和适度审慎的本土化监管力度。非吸储放贷人法律制度的完善须修改金融犯罪与金融"三乱"法律法规,在准入条件、后续资金和利率水平等方面对直接规范非吸储类放贷人的法律法规作出合理调整,并完善破产、征信、担保及税收等配套法律制度。

Non-deposit-taking lenders system consists of non-banking financial institution lenders, non-financial institution lenders and private lenders. On the premise of distinction between commercial credit and consumer credit, the regulation of non-deposit-taking lenders need to implement hierarchical regulatory approach that combines unified and separate operations and naturalized regulatory intensity that means appropriate discretion. The improvement of legal system of the non-deposit-taking lenders needs to modify the legal norms of financial crime and rationalize the legal norms of access conditions, additional funding, interest rate level, which directly regulate the non-deposit-taking lenders. Simultaneously, the supporting legal system of bankruptcy, credit, guarantee and tax should be also perfected.