论文部分内容阅读
非正规金融机构是促进民间金融发展的重要力量。我国的非正规金融机构主要包括合会和钱庄,在民间金融飞速发展的同时,民间金融机构由于缺乏相应的法律规制,面临风险大、高利贷、地下钱庄等问题,对非正规金融机构进行法律规制具有现实和法律的必要性。本文建议借鉴台湾合会和美国社区银行的经验,结合我国民间金融发展的现状,对我国的合会和钱庄进行必要的法律规制。
Informal financial institutions are an important force in promoting the development of private finance. At the same time of rapid development of non-government finance, non-governmental financial institutions face the problems of risky, loan-sharking and underground banking due to the lack of corresponding laws and regulations and the legal regulation of informal financial institutions Necessity of reality and law. This paper suggests that we should learn from the experience of the Taiwan Council and the United States Community Bank and the necessary legal regulation of our union and banks according to the current situation of the development of non-governmental finance in our country.