我国民间金融问题研究

由于经济的二元性,民间金融的存在和发展是发展中国家的一种普遍现象。在我国,由于国内金融体系的缺失、利率政策的不当、政府对金融业的严格管制,导致了国内民间金融的发达。民间金融的存在对于弥补正规金融的不足、推动民营经济和农村经济的快速发展起很大的支持作用,但也蕴含着风险。因此应正确引导和规范民间金融,而不是简单取缔。

Study on the Problem of Private Finance in China

Owning to the dual nature of economy,private finance's existence and development is the widespread phenomenon in the developing countries.Especially in our country,since the domestic financial system is imperfect,and the policy of interest rate is improper,moreover the financial system is strictly controlled by government,therefore all these have greatly stimulated the development of the domestic private finance.Its existence can make up the shortage of the regular finance,and it also gives the support to the private capital economy,meanwhile it promotes the prosperity of the rural economy.However it has brought about some risk.Hence,we should not only make regulations but also guide it correctly,rather than simply ban it.