文章分析了民间非正规金融的内生机理以及演变逻辑,认为商业银行对中小企业实施信贷配给机制,是民间非正规金融介入的内生契机,是诱致性制度变迁的结果,应从市场行为、监管体系、信用环境、市场准入与退出机制、风险防控机制等方面,设计规范民间非正规金融发展的创新路径,引导我国民间非正规金融的健康发展。
As an important supplement to formal financial and important financial support for SME financing, the formation of the Wenzhou private lending crisis, it is sufficient to show the importance of civil informal finance development. To civil informal finance as the starting point, This paper analysizes the mechanism to civil informal financee existing, based on which it analysizes the theory idea of civil informal finance development, on which it designs the reformation channels to regulating civil informal finance development, which will possess important theoretical and practical significance for China financial government department to reinforce policies to regulating civil informal finance development.