“类金融”风险防治对策研究

Study on the Countermeasures against Financial Risks

近年来,随着国内金融创新步伐的不断加快,"类金融"、"准金融"业态发展迅速,在满足社会多元化的投融资需求方面发挥了积极作用,但由于业界情况十分复杂,监管又明显滞后,相关领域违法违规行为层出不穷,导致涉众型经济犯罪、不安定因素频发,严重危害金融秩序和社会稳定。分析"类金融"机构的主要特点、存在风险及管治难点,并探索对"类金融"的风险防范和治理对策,具有较强的现实意义。

In recent years, with the acceleration of the domestic financial innovation, similarly financial or quasi-financial industry also develops fast and plays an active role in catering to various needs of financing and investment. Since financial industry is complex and supervision is left behind, breaches and violations have emerged frequently, stakeholder economic crime has occurred one after one and instability-related incidents have happened invariably, which has done harm to financial and social stability. It is practically significant for the writer of this paper to analyze main characteristics of similarly financial institutions, risks and difficulties in management, probe into ways and countermeasures to prevent similarly financial risks.