长期以来,我国的民间金融一直被政府部门忽视甚至敌视,其结果是常常被冠以“扰乱金融秩序”的罪名,或被施以不恰当的限制措施。但民间金融的存在在世界上是一种普遍现象,其往往比主流金融更具活力,更有效率。民间金融大多属于私人所有制,它是经济发展过程中自下而上发起的对主流金融压制所作的有益补充。目前我国的法律对民间金融的态度,可以分为禁止、允许和引导三类。然而,从世界经验来看,逐步走向规范化是民间金融发展的最终趋势。民间金融的规范化和合法化一方面有利于民间金融组织提升信誉度和规范经营,降低交易成本和违约风险,另一方面也有利于政府进行风险预警和风险甄别,适当控制民间金融可能引发的金融动荡。 For a long time, the non-governmental finance in our country has been ignored or even hostile to the government departments. As a result, the result is often labeled as “disrupting the financial order” or imposing undue restrictions. However, the existence of private finance is a common phenomenon in the world, which is often more dynamic and efficient than mainstream finance. Most of private finance belongs to private ownership. It is a useful supplement to mainstream financial repression initiated from the bottom up in the process of economic development. At present, our country’s attitude toward non-government finance can be divided into three types: prohibition, permission and guidance. However, judging from the experience of the world, the gradual trend towards standardization is the ultimate trend in the development of non-governmental finance. On the one hand, the standardization and legalization of non-government finance will help non-governmental financial organizations to enhance credibility and standardize their operations, reduce transaction costs and risk of default, and on the other hand, it will also help the government to carry out risk early warning and risk screening and properly control the possible financial turmoil.