我国民间融资规范发展分析.docx

Abstract
For a long time,due to its own limitations,SMEs in China has been in a rather awkward position in respect of financing. The emergence of informal finance provides a new method on this issue of the solutions to SME financing. However, The existence and development of informal finance in China has been controversial. For point of view of prevention of financial risks and stabilize the financial order, the policy of the government private finance has been very cautious. Recent years, With the shrinking of the
credit in our Country, Informal finance once again e the focus of the social hot. The government also gradually became aware of the role and impact of informal finance on the economy. The development of informal finance obtain a new opportunity. At the same time, Informal finance also brought many problems to social development because of its non-standard. Therefore, It has great significance to study how to further regulate the development of China's informal finance and allowed it to better serve the market economy.
This paper tightly around the specification to the core issue of the development of informal finance, Systematically studied the characteristics of the development、
status and the problems of the informal finance. On this basis, this paper put forward the relevant policy mendations that regulate the development of private financing in China.
This paper first introduces the classic Western financing structure theory, And than discuss the significant of the Western financing structure theory to China. In addition, this paper defined the concept of the informal finance on the basis of the home and abroad study. According to the characteristics of the development process of the informal finance and its degree anization, this paper divided the forms of our country’s informal finance into three categories: simple forms, intermediate forms and specialized forms, And, respectively, described their characteristics, and pointed out the limitation