中国民间金融发展探析

Discussion on the development of informal finance in China

通过民间金融的资源配置作用,多层次的金融需求能够得到满足,并有效推动金融创新。中国民间金融的规模在近些年增长较快,其形式也更具有组织性。但是,其在发展过程中缺乏有效的法律政策指引,面临着许多制约。同时,民间金融弱化了国家宏观调控效果,蕴含着较大的系统风险,不利于金融经济的稳定发展。在新的挑战下,中国政府必须转变观念,加强法制建设,健全制度环境,实现民间金融有序健康地发展。

Informal finance plays an influential role in meeting the multi-level demand of financial service. At the same time, it is the source of financial innovation and the important component of money market. At present, the scale of informal finance in China expands continuously, and it has been more organized. However, it＇s adverse for informal finance to develop without instructions from the law. Meanwhile, informal finance weakens the effect of macro policies and contains high system risk, which prevents the stable development of finance and economics. Facing new challenge, Chinese government must change concept, improve legal system and create favorable institutional environment, so as to promote the development of informal finance.