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民间金融作为正规金融的补充,为国民经济的发展提供了一定的资金支持,满足了不同的社会需求,同时由于我国长期未对民间金融进行相应的制度设计,在面对民间金融产生的一些问题时,往往又陷入一种无制度可依的尴尬处境。民间金融究竟存在哪些风险?是否有规制的必要?若要规制,如何规制?规制的空间几何?成为我们无法回避的问题。因此,有必要就民间金融概念界定与功能、民间金融存在的社会基础及表现形式、民间金融产生的风险与风险控制的路径选择等方面对国内外的相关研究现状进行系统的综述,以期为民间金融在现行世界的运作与规制提供知识累积和参考。
As a complement to formal finance, non-government finance provides certain financial support for the development of the national economy and meets different social needs. At the same time, due to the fact that our country has not designed the corresponding system for non-governmental finance for a long period of time, in the face of some problems arising from non-governmental finance Often, they fall into an embarrassing situation where there is no system to follow. What are the risks of non-government finance? Are there any necessary regulations? If we want to regulate them, how to regulate them? How to regulate the spatial geometry? It is an issue that we can not avoid. Therefore, it is necessary to systematically review the current research status both at home and abroad in the definition and function of the concept of non-government finance, the social basis and form of expression of the existence of non-government finance, the risks arising from non-government finance and the ways of risk control. Finance in the operation of the existing world and regulations provide knowledge accumulation and reference.