论我国民间金融市场主体培育与法律规制

Subject Cultivation and Legal Regulation of Folk Financial Market

民间金融是经济现象,也是法律现象。从经济发展和法律变迁的背景看,民间金融市场主体培育与法律规制是一项体现私法社会化的制度。文章分析表明,在我国民间金融市场的司法实践中存在过度的自由主义倾向,说明社会对私法社会化重要性的认识仍有待提高。而与私法社会化伴随的经济民主必然意味着弱者会要求给自己更多的保护,需要法律更加重视合同衡平和消费者保护的理念。随着社会经济的发展,尤其是公司制度的建立,民间金融主体投资手段日益多样,这在一定程度上促成了登记备案、一元监管、法律责任等制度的建立和发展。

Folk finance is the economic phenomenon,but also the legal phenomenon.From the background of economic development and legal change,the subject cultivation and the legal regulation of folk financial market is a reflect of socialization of civil law system.The article analysis shows that in our country there exists liberalism tendencyt of folk financial market in judicial practice,and suggests that the importance of socialization of civil law remains to be improved in our societies.And economic democracy along with the socialization of civil law necessarily means that the weak will require greater protection for themselves need to pay more attention to the contract law criterion and the concept of consumer protection.Along with the development of social economy,especially the establishment of the company system,folk financial investment methods increasingly diverse,to a certain extent,contribute to the registration and filing,the establishment and development of system of supervision,legal responsibility,etc.