我国民间金融的法律规制

Law and Regulation of Our Country's Civil Finance

当今世界,无论是发达国家还是发展中国家,民间金融都做为其金融体系的重要组成部分而存在。就我国而言,民间金融的存在与我国的金融环境、经济发展、社会文化等密切相关,是经济发展的必然结果。民间金融的存在有效弥补了我国正规金融的不足,为我国的经济发展做出了巨大的贡献,但同时其也存在着不足的地方。因此,本文主张通过法律对民间金融的合法地位的确立、市场准入和退出机制的构建、存款保险人制度、行业监管等做出相关规定,从而有效规范民间金融的活动,在承认和促进民间金融发展同时遏制其负面作用。

Both in developed and developing countries, the civil finance is an important part of their financial system. In China, the existence of civil finance is closely related with our financial environment, economic development and social culture and so on. Civil finance can effctively make up for the deficiency of formal finance, and make a crucial contribution to our economic development, but there arc also some defects of it. This paper claims that it is necessary to legalize civil finance from such aspects as acknowledging its legal status, establishing the market access and exit system and the system of deposit insurance, and reinforcing the regulation of the industry to restrict the civil finance and promote its development.