我国“民间投融资”共生演进与融资规范发展
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| Title | Standardized development of Chinese Private Financing In the symbiosis of “the private investment and financing”
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| 作者 | 李元华 |
| Author | Li Yuanhua |
| 作者单位 | 温州大学金融学院 |
| Organization | Business School,Wenzhou University |
| 作者Email | liyuanhua@wzu.edu.cn |
| 中文关键词 | 民间融资 民营经济 共生演进 融资规范 |
| Key Words | private financing;private economy;symbiotic evolution; Financing specification |
| 内容提要 | 我国民间融资适应民营经济内在的资金供求需要自发地生成发展，成为为民营经济提供融资服务的单列金融生态，与民营经济结成类似生态衔接的“共生关系”。“民间投融资”共生演进，使民营经济和民间融资都获得了业态的进化和发展机会，提高了共生经济单元的协同发展能力，但同时也带来了融资违规运作、高利转贷、违约案件上升等大量亟需解决的秩序问题。由于经济共生关系，对民间金融监管不仅要考虑到民间金融业态本身，还要顾及到与其共生发展的民营经济的内生需要。从共生的源头考察民间投融资依存关系和发展机理，有利于改进及完善民间金融生态管理，构建民间金融运营规范和创新发展相适应的新秩序。 |
| Abstract | Private financing spread development with the rise of private economy, mainly for provide financing services to the private economy, and form a direct “symbiotic relationship” with the private economy . “Private investment and financing”symbiotic evolution, has improved the survival and development of symbiotic economic units, makes the private economy and private finance have access to the same opportunity for the development of evolution, but also brought illegal operation, high interest loans,the rise in default cases and a large number of financing order problems need to be solved ugently. Because of the economic symbiosis, the non-governmental financial supervision should not only take the private finance itself into account, but also take into account the symbiotic development of the private economy. It is helpful to improve and perfect the management of civil finance and ecology, and to construct a new order which conforms to the norms of non-governmental financial operation and innovation and development, from the perspective of symbiosis. |
| 文章编号 | WP1401 |
| 登载时间 | 2019-08-06 |
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