规范非正规金融发展

Regulating non formal finance development

由于正规金融供给不足,而非正规金融以信息优势、成本优势、效率优势深受中小企业和农户偏好,在一定程度上缓解了资金缺口,促进了中小企业和农村经济的发展。但非正规金融也存在规模和范围狭小、道德风险、法制欠缺等问题;因此,要建立健全相关法律和制度,适度监管,规范非正规金融行为。

Due to inadequate supply of formal finance,rather than the formal financial information-advantage,cost advantage,efficiency advantages of small and medium enterprises and farmers to popular preferences,to a certain extent,ease the funding gap,promoting SMEs and rural economic development.However,there are also non-formal financial scale and scope of the narrow moral hazard,lack of rule of law issues;so,to establish and improve relevant laws and systems,appropriate supervision,to regulate the informal financial activities.