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民间融资活动在我国有着悠久的发展历史,有其存在合理性与制度合法性,我国在相关法律法规及监管制度等方面存在很大缺陷,非常不利于民间融资的发展和风险防范。因此,有必要完善相关法律制度和监管体制,在制度保障的前提下引入竞争机制,并且借助社会自治组织的力量,充分发挥各自优势,并采取合理的政策引导和监督民间融资的良性发展,进而促进金融体制改革与社会经济发展。
Civilian-owned financing activities have a long history of development in our country. They have their existence rationality and system legitimacy. Our country has a lot of shortcomings in relevant laws and regulations, regulatory system and so on. It is not conducive to the development of private finance and risk prevention. Therefore, it is necessary to improve the relevant legal system and supervision system, introduce a competition mechanism under the premise of system guarantee, and make full use of the strength of social autonomy organizations to give full play to their respective advantages and adopt reasonable policies to guide and supervise the sound development of private financing. Promote financial system reform and socio-economic development.