中小企业民间融资存在的问题及其法律规制——以“珠三角”为例

Civil Financing Problems of SME and Legal Regulation——Case Study on "Chu Chiang Delta"

在金融危机的影响下,中小企业的生存状态更加严峻,许多中小企业在借贷无门的情况下,不得不从民间融资市场上寻求资金支持。在珠三角地区,民间融资在解决中小企业融资难的同时也存在着许多问题,如企业规避法律的融资现象大量存在,企业非法集资行为屡禁不止、民间融资利率飙升等,不仅破坏了稳定的金融秩序和社会秩序,而且阻碍了珠三角中小企业的健康发展。因此,我们应该在法律上使民间融资合法化,加强对民间融资的监督和引导,规范民间融资的借贷利率,并且结合民间融资的具体状况,建立民间金融体系,从而促进地区金融体制的改革和创新,带动地区经济的进一步发展。

Under the influence of financial crisis, the survival of SME is becoming much more severe. Many SME have to seek funding support in the folk financing market while failing to obtain loans. While solving the financing difficulties of SME in Chu Chiang Delta region, there exists a lot of problems, such as financing phenomenon between enterprises which circumvettt the law, repeated illegal fund - raising of enterprises, high civil finance interest rates etc. These not only destroy the stable financial and social order and but also prohibit the development of SME. Thus, we should legalize civil finance, strengthen the supervision and guidance of folk financing, regulate the folk finance rate. Meanwhile, we should combine the specific situation of folk finance, establish folk financing system so as to promote the reform and innovation and drive further economic development.