浅谈我国非主流金融机构的发展

On China non-mainstream financial structure's development

我国的主流融资渠道(股票、债券、银行贷款)为我国社会主义现代化建设提供了巨额的资金支持,但是仅仅依靠主流的融资渠道不能引导资金实现最有效的配置。本文首先分析了主流融资渠道的局限性,随后陈述了大力发展非主流融资渠道的意义,最后从加快法律建设、加速利率市场化改革、完善信用担保体系以及发展与监管并行等四个方面提出推动我国非主流金融机构的政策建议。

Our country＇s mainstream financing sources （stocks, bonds, bank loans） provide a huge amount of financial support for China＇s socialist modernization, but it can＇t achieve the effective configuration of capital only with mainstream financing channels.This article first analyzes the limitations of main stream financing channels, then states the significance of non-mainstream financing channels, finally puts forward policy recommendations of developing non-mainstream financing institution from speeding up the legal construction, accelerating the interest rate reform, improving the credit guarantee system and promoting regulatory four aspects.