“三位一体”中小企业民间融资制度的构想

民间融资作为配置资金资源的一种有效手段,在解决金融排斥、推进社会经济发展方面发挥着积极作用.中小企业民间融资在实际运行过程中出现了一系列问题,其症结在于制度的缺失.为引导其健康有序发展,从未来的需要和趋势来看,应尽快建立起法律制度、金融制度和征信制度“三位一体”的中小企业民间融资制度体系.

＂Trinity＂ The Conception of The Small and Medium-sized Enterprise Folk Financing System

informal finance, as an effective method to manage financial resource, has a positive side in solving financial exclusion, promoting economic and social development. There are tons of problems in the work of financing in Middle and small sized enterprises, radically due to institutional defects. From the view of demand and trend in the future, We should construct law system.finance system as well as credit investigation system trinity, in order to guide the orderly and healthy development of informal finance for middle and small sized enterprises.