我国民间金融的发展中的问题及对策

内 容 摘 要

民间金融作为正规金融的补充，在世界各个国家和地区市场中普遍存在。在发展中国家和地区中，，由于金融发展起步较晚，正规金融体系不建全，大量非正规金融作为正规金融的补充在经济发展中起到非常重要的作用。本论文是以民间金融发展中所存在的一些问题和解决对策为题展开论述和观点的，主要关注于民间金融风险问题，文章以金融发展所存在的监管主体缺位、法律制度缺陷、法律规章之间存在的冲突以及风险防范制度不建全几大风险问题而展开的论述和解决问题的建议方案。我国要发展民间金融还需要国家的支持和政策上的推动。

[关键词]：民间金融、风险问题、解决对策、政策推动

目       录

概述·························································3

1.1民间金融的概念···············································3

1.2我国的民间金融现状···········································3

1.3民间金融发展的溢出效应·······································3

1.4民间金融促进金融体系的发展···································4

1.5市场化程度差异下，民间金融的经济影响·························4

第二章 发展中的民间金融所存在的问题·····························5

2.1监管缺失·····················································5

2.1.1监管主体缺位················································5

2.1.2完善民间金融的准入制度···································6

2.1.3完善民间金融风险防范监管制度·····························6

2.2法律制度缺陷和立法滞后·······································6

2.2.1建立健全民间金融法律体系···········…………………………………………………..7

2.3法律规章之间存在冲突·········································7

2.3.1民间金融监管法律无意制度的构建···························8

2.4风险防范制度不健全···········································8

2.4.1建立有效的金融风险防御系统······························9

第三章 结论························································9

3.1未来民间金融将更加规范化合理化，行走在阳光之下···············10