| 彭小兵,吴婷,张娟.我国民间金融问题及其制度建设[J].全球科技经济瞭望,2012,27(8):62~68 |
| 我国民间金融问题及其制度建设 |
| The system construction of informal finance in China |
| 投稿时间：2012-06-21 修订日期：2012-06-21 |
| DOI：10.3772/j.issn.1009-8623.2012.08.008 |
| 中文关键词: 民间金融；民间金融问题；高利贷；社会信用；监管制度 |
| 英文关键词: Informal finance；Informal finance issues；usurious loan；social credit；supervisory system |
| 基金项目: |
| 作者 | 单位 | | 彭小兵 | 重庆大学公共管理学院 | | 吴婷 | 重庆大学公共管理学院 | | 张娟 | 重庆大学公共管理学院 |
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| 中文摘要: |
| 改革开放以来，我国民间金融在快速发展的同时，也产生了诸多问题，例如，民间借贷纠纷增多、
非法集资高位运行、“高利贷”越演越烈、民间“倒会”事件接连发生等问题。通过原因分析，得出民间金
融运作中产生诸多问题的主要原因在于法律保护的滞后、监管制度的缺失、信用约束的软化等。建议政府
应当完善相关的法律制度，构建合理的监管制度、改进相关的保险、担保、社会信用配套制度，从此三方
面加强制度建设，从根本上解决民间金融的问题。 |
| 英文摘要: |
| With the implement of Reform and Opening Policy, the informal finance in China developed
rapidly. In the meanwhile, lots of unprecedented problems come into being with the development of the market
economy, such as the increase of non-governmental debit and credit disputes, illegal funding raising, and the
increasingly serious problem of usury and the bankruptcy of informal financial organizations. Through analyzing
on this, the author argues that the main reasons leading to informal finance problems lie in the following factors
including the lagging of law protection, the deficiency of supervisory system and the restriction intenerating of
credit system. The paper suggests that Chinese government should improve the external system of informal finance
from the following three perspectives: to consummate related law systems, to establish reasonable supervisory
system and to perfect other matching systems. |
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