论文部分内容阅读
吴英案二审维持原判又一次引起了社会的广泛关注。一时间,对民间借贷,非正规金融的讨论热烈异常。在对此案发表了诸多观点和看法后,经济学家们普遍认为我国的金融体制存在诸多弊端,并提出了各种解决民间借贷,非正规金融乱象的方法;也有人抨击我国金融机构的垄断性,垄断对中小企业发展产生诸多不利影响,从而也使中小企业被迫选择风险很大的非正规金融;也有人从另一角度,通过对比我国金融机构对中小企业的融资限制与其他国家的有效的金融政策,来说明我国正规金融机构政策存在的问题等。在我国金融机构居于垄断地位的情况下,非正规金融有其存在的必要性。本文从具体出发,来说明非正规金融对经济发展的重要性。
Wu Ying case second instance to maintain the original verdict once again aroused widespread concern in the community. For a time, the discussions on private lending and non-formal finance were exceptionally hot. After many opinions and opinions were expressed on the case, economists generally think there are many defects in China’s financial system and have put forward various ways to solve the chaos of private lending and non-formal finance. Some people have also criticized the financial institutions in our country Monopoly and monopoly have a lot of unfavorable effects on the development of SMEs, which also makes SMEs forced to choose risky informal finance; also from another perspective, by comparing the financial constraints of SMEs in China’s financial institutions and other countries Effective financial policy to illustrate the problems of our formal financial institutions policies and so on. In the monopoly of financial institutions in our country, informal finance has its own necessity. This article starts with a concrete explanation of the importance of informal finance for economic development.