民间金融对我国经济发展既有积极作用,又有消极影响。因而,如何规范民间金融发展具有较强的现实意义。由于信息不对称、乡土社会、金融政策等因素的存在,在促使民间金融产生并发展的同时,也面临着缺乏政策依据、利率较高、监管难度大、经营风险高等一系列问题。规范民间金融发展需要健全相关法律,推进利率市场化,科学监管,完善征信体系。%Nongovernmental financial capital plays an important role,both positive and negative,in the development of China′s economy.Therefore,how to regulate its development is of realistic significance.The factors including the out-of-proportion information,local society,and financial policies,give birth to the nongovernment finance and motivate its progress;but it also confronts a series of problems like the lack of policy basis,the high interest rate,the supervising toughness,and operational risks.To cope with the situation,it is imperative to improve related laws,develop the regulation of interest rate by market,exert scientific supervision,and better the integrity system.
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