浅析我国非正规金融机构的发展

The Growth of Informal Financial Institutions in China

近些年来,非正规金融机构在很大程度上满足了中小微企业的资金需求,在一定程度上缓解了市场资金供求矛盾,提高了资源配置效率,促进了地方特色产业的发展。当前,由于相应的法律法规不完善,对非正规金融市场及其运行机制缺乏有效的监管,导致了一系列问题的产生。我国应确立非正规金融的法律地位,制定相关法规,完善金融法律体系及金融服务体系;加大扶持中小微企业力度,创新金融产品,从而促进非正规金融走向正规化发展道路。

In recent years, informal financing institutions have, to a large extent, met the fund demand of SMEs in ways that alleviate the supply and demand contradiction to a certain degree, improve the efficiency of resource allocation and facilitate the growth of local charac- teristic industries. However, some issues arise as a result of unsound relevant laws and regulations and the lack of effective supervision over informal finance markets and the operating system. China should legalize informal financing institutions, make relative regulations and complete the law and service system for finance. Efforts should also be intensified in supporting SMES and creating new financing products so as to help regularize informal finance.