民间融资的法律风险及防范路径探析

民间融资作为资源配置的一种有效手段,在弥补正规金融供给不足、繁荣金融市场方面发挥着特有的功能,其作用正在不断增强。面对快速发展的民间融资市场,有必要在法律框架内对其进行正确引导和规制,使之在法治轨道上正常运行。目前,相关金融法律法规存在着滞后性,已不能很好地规制和保护民间融资行为。本文在对我国民间融资概念进行法律界定的基础上,分析了民间融资法律风险的主要内容及成因,从制定、修改民间融资相关的法律法规,完善法律监管机制,加强舆论宣传教育,提升公众的法律意识等方面对民间融资法律风险的防范思路及路径进行了探析,旨在为法学金融理论界及司法实践提供借鉴。

Informal financing, as an effective means of improving resources allocation, plays an increasing important role in making up for the shortage of formal financial supply and prospering financial markets. At present, the lagged financial law and regulations cannot regulate and protect informal financing. With the development of private financing market, it is neces- sary to $,uide and regulate it within the legal framework so as to make it run normally on the track of the rule of law. Based on law definition of the informal financing, this paper analyzes the main content and causes of the legal risks of in- formal financing, and precautions from formulating and revising relevant laws and regulations concerning private financing, strengthening social media publicity, raising public awareness of the law and so on. The conclusions can serve as reference and guidance for law and financial theory groups and judicial practice.