浅析民间金融的发展与中小企业融资

摘要

For ages, SMEs are difficult in financing as their operations tend to be fragile, and they usually need short-term and small money, but with high frequency of borrowing. Therefore, big banks are reluctant to lend money to them. Financial institutions in the private sector, which are quite flexible with simplified processes and paper works, can fill the blank. The central government should improve the legal regime for the private financial sector and guarantee system and deposit policy for SMEs and oblige financial institutions in the private sector to make cash deposits. By doing so, private financial institutions can be regulated as banks. So strengthened regulation of private fi-nancial service providers can guarantee the interests of investors, boost positive development of financial institutions in the private sector, reduce capital risks of SMEs and promote accelerated growth of SMEs.%长期以来，中小企业融资难的原因主要来自于中小企业经营具有较大的不确定性，且资金需求频率高、期限短、额度小等方面。民间金融灵活性高、手续简便快捷，很好的弥补了正规金融不能满足中小企业需求的空缺。我国应将民间金融机构纳入到我国正规金融机构的管理体系中来。尽快建立一个完善的民间金融法律体制，建立健全中小企业的担保体系及存款保险制度，强制性要求民间金融机构缴纳一定数额的保证金。实施对民间金融的正规化管理，既保障投资者的利益，促进民间金融的健康发展，又能有效的降低中小企业资金风险，促进中小企业加快发展。