随着市场经济的发展,我国民间金融在国民经济中逐渐活跃,不断发展和壮大自身,数额庞大的民间金融资本积累和外放对我国经济的发展影响极大。本文分析了我国民间金融产生及其发展原因,研究了当前民间金融发展现状和问题所在,阐述了其对经济发展的积极和消极影响,希望对民间金融的规划管理有所帮助。 With the development of market economy, the non-governmental finance in our country has become increasingly active in the national economy and has continuously developed and expanded itself. The accumulation and exodus of large amounts of non-governmental financial capital have a great impact on the economic development of our country. This paper analyzes the causes of private finance in our country and its development. It studies the current status and problems of non-governmental finance, expounds its positive and negative impact on economic development, and hopes to be helpful to the planning and management of private finance.