摘要
我国金融体制呈现出正规金融与民间金融双轨运行的二元格局。民间金融与正规金融互为补充,满足了民间小额贷款的需求,实现了自身长期稳定发展。当前,应规范民间金融发展,构建多层次民间金融监管体系;建立民间金融风险控制的配套机制,如存款保险机制、市场准入及退出机制、风险预警机制、利率市场化机制等,促进民间金融良性发展;加强民间金融与正规金融机构的合作,实现二者和谐发展。
In China, formal and informal finance are developing together; they are supplement to each other to satisfy the requirement of small loan and realize the stable and long term development. At present, we should, first, construct the multi-layer supervision system for informal finance and standardize the development of informal finance; second, we should establish the supporting risk control system, such as deposit insurance system, market access and exit system, risk warning system and interest rate liberalization system, to promote the sound development of informal finance;and third, we should strengthen the cooperation between informal and formal finance to realize the harmonious development of them.
出处
《中国流通经济》
CSSCI
北大核心
2014年第8期100-105,共6页
China Business and Market
关键词
民间金融
正规金融
监管
风险控制
informal finance
formal finance
supervision
risk control
