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在我国民间融资已有近千年历史,进入建立社会主义市场经济后,民间融资的作用和功能更是得到了创新性的发挥。随着市场经济的发展,民间融资作为一种有效的资金资源配置手段,在优化资源配置、优化社会融资结构、弥补市场资金需求和促进民营经济发展中发挥着显著功效。但由于我国现有法律法规对民间融资的保护、规范和引导等问题上都存在诸多缺陷,严重制约着民间融资的发展,对市场经济的发展也产生了不利的影响。本文从法理的角度论证其合法性,分析我国民间融资的法律制度的弊端。并在此基础上提出了规范和完善民间融资法律制度的建议。
In our country, private financing has reached nearly a thousand years of history. After the establishment of a socialist market economy, the role and function of private financing has been given an innovative play. With the development of market economy, private financing, as an effective allocation of capital resources, plays a significant role in optimizing the allocation of resources, optimizing the structure of social financing, making up the market capital needs and promoting the development of private economy. However, due to the defects of existing laws and regulations on the protection, standardization and guidance of private financing in our country, the development of private financing is severely restricted and adversely affected the development of market economy. This article demonstrates its legitimacy from the perspective of jurisprudence and analyzes the malpractices of the legal system of private financing in our country. On the basis of this, it puts forward the suggestion of standardizing and perfecting the legal system of private financing.