当前我国的法制体系还不完善,在金融主体、业务、监管等方面,法律制度的欠缺,阻碍金融主体的健康成长。(1)在市场准入方面,法律设置了高门槛,使非公有制的金融主体发育很不健全,金融生态主体的多元化和生命力受到严重影响。(2)在金融产权制度方面,缺乏股东行使权利的有效制度保 At present, the legal system of our country is not yet perfect. In the aspect of financial subject, business and supervision, the lack of legal system hinders the healthy growth of financial subjects. (1) In terms of market access, the law sets a high threshold so that the development of non-public ownership financial entities is very imperfect, and the diversification and vitality of the financial eco-entities are seriously affected. (2) In the aspect of the financial property system, there is a lack of an effective system guarantee for the exercise of the rights of shareholders