草根金融及其招安的思考

从草根金融的内涵、类型和成因分析入手 ,从法律的理念角度来分析草根金融招安的必要性 ,继而提出通过降低银行业准入的最低资本限额以建立社区性银行、建立二板市场、坚决推行利率市场化改革的招安对策 ,使草根金融由合理而不合法的地下活动转为公开、合法、透明、有序的金融活动

Thinking on the grass-root financing activities and their integration into the regulated financial system

This paper starts from an analysis on the meaning,the types and the formation causes of the grass-root financing activities. It concentrates on maintaining the necessity of regulating the grass-root financing activities through the ways such as decreasing the entry standards of the banking industry in terms of the least capital requirement,building up the community banks and the second-board market,and reforming the interest rate system. By these ways the grass-root financing activities could be transformed from illegal and underground to legal and under sunshine.