我国地下金融的法律评价与规制路径

Legal Evaluation of China's Underground Finance and Regulatory Approaches

在当前民间金融体系尚不完善、中小企业融资困难的背景下,单靠严刑酷法来遏制地下金融活动,并不能产生理想的效果。考察地下金融在金融生态中的地位和作用,需要具体分析地下金融活动的产生背景及其对整个金融市场的多元影响。民间金融的合法地位应当逐步得到肯定,相关的保障型法律制度也应逐渐建立,以引导民间金融从隐蔽性的地下状态转入阳光化的地上状态,保护合约双方的正当权益,逐步走向规范化的良性轨道。

At present civil financial system is imperfect and SME financing meets with difficulties.Desirable results can not be achieved by just relying on stringent laws to curb the underground financial activities,we need to analyze the background of underground financial activities and its multifaceted impact on the financial markets.The legal status of folk finance shall gradually get recognition,and relevant legal systems should be gradually established to guide folk finance to change from hidden state to open state.To protect the legitimate rights and interests of the contracting parties,and standardize the folk finance gradually.