东北大学学报（社会科学版）

东北大学学报（社会科学版） ›› 2015, Vol. 17 ›› Issue (5): 468-473.DOI: 10.15936/j.cnki.1008-3758.2015.05.005

• 经济与管理研究 • 上一篇    下一篇

民间借贷“阳光化”视域下金融垄断改革研究

仇晓光1,2，杨硕3   

  1. (1.中国人民大学法学院，北京100872;2.吉林财经大学法学院，吉林长春130117;3.吉林大学法学院，吉林长春130012)
  • 收稿日期:2015-03-04 修回日期:2015-03-04 出版日期:2015-09-25 发布日期:2015-11-09
  • 通讯作者: 仇晓光
  • 作者简介:仇晓光(1981-)，男，吉林长春人，中国人民大学博士后研究人员，吉林财经大学副教授，主要从事金融法研究;杨硕(1988-)，男，江苏徐州人，吉林大学博士研究生，主要从事金融法研究。
  • 基金资助:
    教育部人文社会科学研究青年基金资助项目(12YJC820014);吉林省社会科学规划办博士扶持资助项目(2012BS23)。

Study on the Reform of Financial Monopoly from the Perspective of Private Lending in Transparency

QIU Xiao-guang1,2， YANG Shuo3   

  1. (1. School of Law， Renmin University of China， Beijing 100872， China; 2. School of Law， Jilin University of Finance and Economics， Changchun 130117， China; 3. School of Law， Jilin University， Changchun 130012， China)
  • Received:2015-03-04 Revised:2015-03-04 Online:2015-09-25 Published:2015-11-09
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摘要： 从制度发生学的视角考察，金融体制开放改革中民间借贷“阳光化”的发展是公司融资等因素合力作用的结果，属于市场理性进化的产物。对于金融垄断的破除与改革，我国应在强化金融监管的前提下，放松、鼓励、培育并引导民间金融的渐进式发展，而非通过抑制、阻碍民间金融的发展来维护正规金融的垄断利益。法律在这一进程中，应当积极回应民间金融制度化发展的立法诉求，进行相关规则的设计与调控，继而维护民间金融的规范化成长，培育和强化其同正规金融充分竞争、共同发展的品格。

关键词: 民间借贷, 金融垄断, 金融开放

Abstract: From the perspective of institutional genetics， the development of private lending in transparency in the financial system reform and open-up is a joint effort of corporate financing and other factors， which is attributed to a product of the markets rational evolution. For the crackdown and reform of financial monopoly， China should relieve， encourage， nurture and guide the incremental development of private finance under the premise of strengthening financial supervision， rather than by inhibiting and hindering the development of informal finance so as to maintain the monopoly interests of formal finance. In this process， laws should positively respond to the demands of legislation in the institutional development of informal finance， and relevant rules should be formulated in order to maintain the standardized development of private finance， and cultivate and strengthen its features to compete and develop with formal finance.

Key words: private lending, financial monopoly, financial open-up

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