民间金融的实践、风险与规范化发展——“互联网背景下民间金融风险与规范化发展”会议综述

Practice,Risk and Standardized Development of the Folk Finance——Review of the Conference“Risk and Standardized Development of the Folk Finance under the background of Internet”

民间金融是把双刃剑,对其合理引导可促进国民经济发展,但如果用之不当,也会扰乱经济金融秩序,甚至引发地区性的社会不稳定。民间金融与互联网技术的融合,使得民间金融活动更加频繁、参与主体更为复杂、波及面更为广泛,而且往往游离于银监会和央行监管之外,加大了民间金融规范发展的难度。但互联网技术与民间金融的融合也是推动金融改革,促使民间金融走向规范化、阳光化的一大动力。因此,未来应适当降低民间金融准入门槛,通过财政税收等调节手段,引导民间资本流向实体经济、风险投资等领域。同时,应加快立法、普法进程,提升民众的金融知识和风险意识,明确监管责任边界。

The folk finance is a double- edged sword. The reasonable guide of the folk finance can promote the development of national economy. But if it is used unproperly,it will disrupt the financial order,and even trigger a regional social instability. The experts think that the fusion of folk finance and Internet technology makes the folk financial activities more frequent,the participation main body more complex,wider,and often free to the CBRC and the central bank supervision,increase the difficulty of the folk financial development specification. These increase the difficulty of the folk financial development of standardization. But the integration of Internet technology and folk finance is a great power for promoting financial reform and promoting the standardization and vitrification of the folk finance. Therefore,the future should be appropriate to reduce the threshold of folk financial access and guide the investment risk of private capital flowing into the real economy,and other fields by means of regulation through the financial revenue. At the same time,we should accelerate the legislative and law popularization process,improve the financial knowledge and risk awareness of the public,clear the regulatory responsibility boundary.