严防金融风险杜绝非法融资

引发金融风险的因素之一是严重的非法融资现象。非法融资有多种表现形式：名为联营，实为借贷；以融资租赁为名进行借贷；借委托贷款之名获取高额息差；以购销合同形式进行融资获利；名为房屋预售，实为抵押贷款；金融机构高利转贷。现阶段的治理对策应全方位展开：政府通过刑法规范金融机构的行为；企业自身要拓展融资渠道；银行要理顺融资体制；房地产市场要加强房地产行业的融资监管，

Prevent Financial Risk and Prohibit Illegal Fund- Raising

There many kinds of factors causing the financial risk, illegal-financial is one of them and getting worse. Illegal-financial may executes in disguise: It may take name of joint venture, lease capital and third party financial to loan resulting in a huge profit from the interest spread; so does making use of a purchase-sale contract; it may in the name of a real estate presale operate mortgage loan; besides all above the financial institution risk involving profit from a high-interest mortgage transfer. We should stop these issues with a comprehensive countermeasure, include: the government establishes criminal law to regulate activities of financial institution; companies seek various channel to raise funds; financial institutions reorganize the lease capital system; and the real estate project financial must be put under close scrutiny.