浅论民间融资的合法化

民间融资在社会投融资中的份额不断上升，对地方经济发展起到了重要的促进作用，但其负面影响也相当明显，成为多种犯罪活动产生的温床。我国民间融资迅速发展的原因在于大多数民营中小企业融资困难和金融投资产品严重匮乏。同时，民间融资的发展也存在一些障碍，如风险较大、未得到国家法律法规和金融管理部门的认可。因此，应建立民间投融资服务体系，疏通民间投融资渠道，规范民间借贷行为，以促进我国民间融资的合法化.

On Legalization of Non-governmental Financing

The share of non - governmental financing in the society rises continuously, which has played an important role in promoting local economy, but its negative influence is also very obvious. Non - governmental financing has become the hotbed of various crimes. The reason of the quick development of non - governmental financing is mainly the financing difficulty problem for the small and medium - sized enterprises and serious shortage of investment production. At the same time, there are some obstacles in the development of non - governmental financing, for instance, bigger risks, no acknowledgement of the national laws and related financial administrative sectors. Therefore, the service system of non - governmental financing should be established, dredging channels of non - governmental financing, normalizing the borrowing and loan behaviors so as to promote legalization of non - governmental financing.