政府角色与制度回应:以民间金融的法治化路径为视角  

The Role of Government and System Response: On Legal Regulation of Informal Finance

作　　者：刘小红[1] 

机构地区：[1]西南政法大学,重庆401120

出　　处：《重庆大学学报（社会科学版）》2013年第1期38-44,共7页Journal of Chongqing University(Social Science Edition)

摘　　要：政府在推动社会经济发展过程中发挥着制度供给和市场监管等作用。受传统"金融抑制"、"重官轻民"观念的影响,中国现有的金融法律法规主要针对正规金融,忽视了民间金融的相关立法,存在制度供给失灵:法律制度缺位、配套制度不完善、经营活动缺乏有效监管等。民间资本固有的高效率与低门槛使其存在巨大的需求市场,其对市场经济的发展利弊共存。现实亟需政府作出制度回应,引导民间金融逐步走向规范化,破解民间金融健康发展的法治化路径难题。The government plays a system supply and market regulatory role in promoting social and economic development. The influence of traditional ideas of＂ financial repression ＂and ＂ heavy formal, light informal＂ , China＇ s existing financial laws and regulations pay more attention to the formal finance, not the informal financial. There are system supply failures： lack of supporting legal system, imperfect system, lack of effective supervision and management activities. With advantages of high efficiency and low threshold, The folk capital is to the existence of huge market demand. Government should make the system respond to reality, solving the problem of infor- mal finance and healthy development of the rule by law.

关 键 词：政府角色 制度回应 民间金融 法治化 

分 类 号：DF438.2[政治法律—经济法学]