反垄断视野下的民间金融制度探析

中国民间金融历史久远,随着现代市场经济的发展,其已经大规模存在,并对我国中小企业融资和正规资本相对缺乏的农村发展起着重要作用.民间金融的发展并不缺乏法律认可上的障碍,而是在制度和法律保障上存在缺陷,这主要是由于国有正规金融机构对金融业的垄断导致.打破金融垄断,让民间金融进入正规金融体制内并享有公平竞争的权利是民间金融制度建设急需解决的问题.反垄断视角下的民间金融制度设计包括:根据WTO法律框架对内开放金融业;降低金融业准入门槛;完善金融业反垄断立法.

The Analysis of Private Financial System: An Antitrust Perspective

As the modern market economy develops,the private finances in China with a long history have established their massive existence,which plays an important role in the capital raising for SMEs and rural development which lacks the formal capital to a certain degree.The development of private finances has no obstacles in the legal recognition,but lacks the protection of the system and law,which mainly results from the monopoly of the state-owned financial institutions for the financial industry.Breaking the financial monopoly,therefore,is an urgent issue for the construction of private financial system so as to bring the private finances into the formal financial system and entitle them with the right of fair competition.The private financial system from the perspective of antitrust can be designed and constructed by means of opening up at home under the legal framework of WTO,reducing the access threshold,and improving anti-monopoly legislation of the financial industry.