论中小企业融资中非正规金融的法律规范

The Legal Regulations on SMEs' Informal Financing

中小企业通过非正规金融融资是我国现今社会不容忽视的经济现象,与其相关的法律规范主要分散在各个法律法规中,并且在法律冲突、监管机制、利率限制等方面存在着不足。因此,我国应转变观念,健全现有法律法规,尽快出台《中小企业融资法》、《放贷人条例》等新法,对中小企业融资中非正规金融进行有效的法律引导和监管,以更好地适应社会经济发展。

The SMEs financing by informal finance is an indispensable financial phenomenon. The related legal regulation spread in each law and regulation with disadvantages in many aspects. So we should change ideas and perfect the present laws and regulations, give the effective legal guide and supervision for informal finance of SME financial to make them get used to the social economic development.