我国民间融资的风险性研究

民间融资是对供给不足的正规金融的一种有益补充,已成为我国金融市场的重要组成部分。然而,受经济下行和政策调控的影响,民间融资风险日益显现,并引发了一系列经济社会问题。本文结合我国当前的民间融资现状,对其风险性问题进行研究,并结合国际经验探索民间融资规范化发展的措施。

China civil finance's risk research

Informal finance is a necessary and beneficial supplement to formal finance in that the supply formal finance provides is insufficient.It has been an essential factor in the financial market in China.However,along with the impact of downside economy and macro-control policy,the risk in informal financing is gradually emerging and results in a series of economic and social problems.Based on the current situation of informal financing's development,this article emphasizes on the risk of informal financing and,combined with international experience,tries to explore measures to standardize informal financing in China.