完善与深化民间金融体制改革的研究

To Improve and Deepen the Reform of the Civil Financial System

金融体制是决定金融秩序的制度规范,民间金融也是我国金融的重要组成部分。多年来我国的金融体制改革一定程度上忽略了民间金融体制改革,致使民间金融体制滞后于民间金融变化的特点与需求。由于民间金融作用的两面性,不完善的民间金融体制必然诱发和放大民间金融的负效应。在不十分成熟的市场经济条件下,民间金融处于典型的"一放就乱、一管就死"的境地。为发挥民间金融对经济发展的积极作用,当前就要切实完善民间金融体制,实现民间金融体制与主流金融体制同步和一体化改革,同时要结合民间金融特点,不断深化民间金融的监管体制、利率体制、投资主体体制等,从而避免民间金融因体制的不规范而诱发金融风险,对整个金融稳定产生冲击,使民间金融成为经济发展有力的推动力量。

The financial system is a system of rules to determine the financial order, private finance is also an important part of our finance. Chinag reform of the financial system ignored the reform of the private financial system, resulting in the private financial system lags behind the changes in the characteristics of private financial and demand. As the two sides of the private financial role, imperfect private financial system will inevitably in- duced and magnified the negative effects of private finance. Not very mature market economy conditions, the private finance in the typical and disorder, died of a ＂situation. Play a positive role of private finance in economic development, should eamestly improve the private financial system, reform of the synchronization and integration of civil financial system and the mainstream financial system, while the combination of private financial characteristics, and constantly deepen the private financial regulatory system, the interest rate structure investment the main system, thus avoiding the private financial system is not standardized induced financial risk, impact on the entire financial stability. The private finance is a strong driving force of economic development.