我国民间融资发展的问题与对策

Problems in the Development of Informal Financing in China and the Countermeasures

目前我国民间融资发展迅猛,已经成为金融市场的重要组成部分,但民间融资在发展壮大的同时也产生了诸如相关法律制度落后、监管缺失、利率高、风险大等问题。因此,我国应进一步完善民间融资的相关法律法规,健全民间融资监管制度,尽快构建民间征信体系以及拓宽民间投资渠道,从而促进民间融资健康持续地发展。

Nowadays,informal financing in China has developed rapidly,being an important component of financial market. However,along with the development of informal financing,some problems emerged such as legal deficiency,supervision vacancy,high interest rates and big risk,etc. China should improve the legal system,perfect the regulatory system,construct the credit system and broaden the financing channels so as to promote the development of informal financing.