我国没有将民间融资纳入法律轨道,法律规制很不完善,甚至将民间融资等同于非法融资。现行已有的法律规范可操作性及协调性差,民间融资的合法地位未获得明确认定,民间融资相关监管制度不健全、监管主体不明确。我国应制定民间融资法、建立民间融资备案、市场准入、信息监控、市场退出制度,并同时建立行业自律与政府监管相结合的监管制度。 Our country did not include civil financing in the legal track, the laws and regulations were not perfect, and even private financing equated with illegal financing. The existing legal norms have poor operability and poor coordination. The legal status of private financing has not been clearly identified. The relevant non-governmental regulatory system is not perfect, and the main body of regulation is not clear. China should formulate a non-governmental financing law, establish a system for filing non-governmental financing, market access, information monitoring and market exit, and at the same time establish a regulatory system that combines industry self-regulation with government regulation.