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改革开放以来,我国民间金融对民营中小企业和农村经济发展提供了巨大的资金支持,并在经济和社会发展中扮演着越来越来重要的角色。然而,我国民间资本是民间经济自发形成的,由于缺乏完善的外部制度安排,对经济、社会发展造成了一定的影响。文章通过搜集、阅读大量相关文献和资料,分析我国民间金融运作中产生的问题及成因,在对我国民间金融的发展、效率,存在的问题及原因进行分析的基础上,提出应完善哪些制度安排来引导和规范民间金融的运作。
Since the reform and opening up, China’s non-governmental finance has provided tremendous financial support to the development of private SMEs and rural economy, and has played an increasingly important role in economic and social development. However, private capital in our country was spontaneously formed by private economy. Due to the lack of a sound external institutional arrangement, economic and social development has been affected to a certain extent. By collecting and reading a large amount of relevant documents and materials, the article analyzes the problems and causes of the non-governmental finance operation in our country. Based on the analysis of the development, efficiency, existing problems and reasons of the non-governmental finance in our country, this article proposes what institutional arrangements should be perfected To guide and standardize the operation of private finance.