规范民间融资视角下的民间融资服务中心构建

Regulating the Construction of Private Financing Service Center under the Perspective of Private Financing

在我国,中小企业的融资来源不仅是银行,中小企业还有很大一部分的资金尤其是应急性资金需求是通过民间融资的渠道解决的,而中小企业通过寻找民间融资的渠道五花八门、成本高昂。为进一步规范民间融资,政府可牵头成立民间融资服务中心来使我国民间融资阳光化、正规化。本文从政府、资金需求方、资金供给方等方面分析了成立民间融资服务中心的意义,并在此基础上对民间融资服务中心的模式、业务、风控机制进行了探讨。

The financing sources of small and medium-sized enterprises（SMEs） come from different channels in China apart from the banks. Especially emergency funding demand in SMEs is solved by private financing channel at high cost. To further standarize private financing, the government can take the lead in establishing financing service center, which makes private financing transparent and normalized. This paper analyzes the meaning of financing service center from such aspects as the government, capital demander and capital supplier, and on this basis, explores its mode, operation and risk control mechanisms.