构建民间金融之市场准入与退出制度的思考

摘要

Since the law does not make forward-looking provisions, non-governmental financial activities have been drifting away from the formal financial system, which is likely to increase financial risks. Comparison of the legal system of non-governmental financial across the Taiwan Strait shows that:prerequisite for the healthy development of non-governmental financial is to establish an entry and exit system of non-governmental finance and strengthen supervision. The effective ways to reduce the risk are to set up different access systems against the different classes of non-governmental finance, the introductions of the bankruptcy system, insurance system, as well as national credit system.%现行法律未对民间金融活动做前瞻性的规定，使其游离于正规金融制度之外，增加了金融风险。对两岸民间金融法律制度的考察与比较分析发现：建立民间金融的准入和退出制度，赋予民间金融合法地位并对其加强监管是民间金融健康发展的前提和保障。针对不同的民间金融主体，设立不同的准入制度，将破产制度、保险制度，以及国家信用制度引入民间金融退出机制，是降低民间金融风险行之有效的办法。