民间金融改革的理论与案例分析

Theory and Case Analysis of Informal Finance Reform

民间金融在我国民营经济发展中发挥了重要的推动作用,成为我国民营中小企业重要的融资渠道,在一定程度上解决了民营中小企业融资难的问题。但由于民间金融长期游离于国家正规金融体系之外,未能得到政府有效的监管,导致民间金融在发展过程中产生了负面效应。对我国民间金融改革的制度变迁过程进行探讨,结合制度变迁理论以及温州地区案例分析,厘清民间金融改革发展的内在机制,有助于我国民间金融今后的发展。

Informal finance has played an important role in promoting the development of China＇s private economy,become an important financing channel for small and medium enterprises,and solved the difficult problem of private financing at a certain extent. Informal finance has been out of formal financial system in China for a long time with no effective regulation from the government,which has brought about a negative effect in the development process of informal finance. This paper discusses the process of institutional change of informal finance, analyzes the institutional change theory and the cases in Wenzhou,and clarifies the internal mechanism for informal finance in its reform and development,which may contribute to the future development of informal finance.