目前,湖南投资担保公司关门的事件频频发生,使得我国民间金融受到了道德风险的冲击,因此民间金融法律规范化是规范与完善民间金融的必经之路,本文从完善民间金融风险监管法律制度、完善民间金融市场准入与退出机制、完善民间金融法律调控三点出发,提出了规范我国金融机构的法律的策略,以期为我国民间金融机构法律规划化提供理论依据。 At present, there are frequent incidents of the closure of Hunan Investment Guarantee Company, which makes the non-governmental finance of our country suffer the impact of moral hazard. Therefore, the normalization of the non-governmental financial law is the only way to standardize and perfect the non-governmental finance. From the perspective of perfecting the legal system, Improve the access and exit mechanism of private financial markets, and improve the regulation and control of non-governmental financial law, put forward the strategy of regulating the law of China’s financial institutions in order to provide a theoretical basis for the legal planning of China’s private financial institutions.