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中国金融发展的现状与中国经济发展的强大势头不相匹配的根本原因是中国金融管制过严,限制了民间借贷市场的发展,扭曲了社会融资结构,增加了银行信贷风险。对民间借贷行为,法律没有明文禁止,国家打击的是高利贷行为;对企业向社会不特定对象借债应纳入涉及公众利益的金融业务严格管理。对于民间借贷的管理方向,监管层已经有了明确态度。今年2月17日,中国人民银行副行长吴晓灵在一次讲话中说,对企业之间以及其向居民个人的放贷行为,目前也作为金融业务严加管制,吴晓灵认为,对这个问题应该有进一步探讨的余地。近年居民和一些私人
The fundamental reason why the current situation of China’s financial development is incompatible with the powerful momentum of China’s economic development is that China’s over-stringent financial controls have restricted the development of the private lending market, distorted the social financing structure and increased the bank’s credit risk. For private lending behavior, the law does not expressly prohibit the state against the usury behavior; debt to the community does not have specific objects should be included in the financial business involving the public interest in strict management. For private lending management direction, regulators have a clear attitude. February 17 this year, Wu Xiaoling, deputy governor of the People’s Bank of China, said in a speech that lending to individuals and individuals among themselves and their residents is now strictly controlled as a financial business. Wu Xiaoling believes that there should be further improvement on this issue Explore the room. In recent years, residents and some private