浅议我国民间融资的立法现状特点及其法律规制建议

The Current Feature and Advice on Private Financing Legislation

当前我国法律法规对民间融资的规定以取缔为主,缺乏引导和疏通,对民间融资合法与非法、罪与非罪的界限规定较模糊。融资渠道狭窄,正规金融机构无法满足中小企业不断增长的融资需求,而民间资金充裕,由此催生出民间融资市场的职业化。而游离于监管之外的民间融资盲目逐利,又易滋生高利贷、非法集资、集资诈骗等不法行为。本文建议不但要对民间融资进行民事、行政、刑事法律规制,更应当给予宽松的环境引导其发展。

Most of the regulations concerning private financing focus on banning and lack of guidance and communication. It isn＇ t a clear demarcation between legal and illegal, crime and non-crime on private financing. Because of limited financing channel, the official financial institution can not satisfy the increasing finance needs while the professionalization of private financing emerged due to abundant fund. But the private financing tends to illegal conduct such as usury, illegal fund raising and fund raising etc. This paper suggests the development of private financing needs not only a comprehensive legal regulation but also a more relaxed environment.