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近些年来,由于社会主义经济飞速发展,民间金融业如雨后春笋般成长。民间金融在近些年出现了势头猛、方式新、力量大等特点。但是民间金融毕竟不是国家或政府设立的,它是市场的产物,必定要收到市场缺陷的限制。其中最重要的一点就是缺乏法律监管,导致民间金融一直存在着风险大、秩序混乱等特点。本文就中国民间金融的现状进行分析,提出民间金融法律制度完善的建议,对民间金融法律监管的前景进行展望。
In recent years, due to the rapid development of the socialist economy, the private financial industry has mushroomed. In recent years, non-governmental finance has emerged such as the momentum, the new methods and the great strength. However, after all, non-government finance is not established by the state or the government. It is a product of the market and must be limited by market defects. One of the most important point is the lack of legal supervision, resulting in non-government finance has always been a risk, disorder and so on. This article analyzes the status quo of China’s private finance, puts forward proposals for improving the legal system of private finance, and looks forward to the prospect of non-governmental financial regulation.