民间金融法制化的界限与路径选择

民间金融具有存在的理由,"合法化"命题是一种价值层面对事实的误读,所以应以中性的"民间金融法制化"作为路径选择。这要求国家选择适当的金融价值观确立民间金融的法制化界限。我国应对民间金融采取消极自由的制度取向,对达到规制标准的法律边界内的民间金融予以规制,并确认边界之外民间金融的自由地位。具体而言,只对具有全国性组织形式和规模的民间金融专门立法规制,而对其它民间金融提供其他途径的制度救济。但是,由于我国达到规制标准的民间金融主体尚未确立,当下在确立法制化界限的同时,更应注重对民间金融市场主体的培育。

The Limits and Road Choice of Legalization of Private Finance

Inform finance has reason to exit in our society,the proposition " legalize " is a value-aspect mistake to the fact,so we should regard neutral " Inform finance is legalized " as the route to choose.This requires the country to choose the proper financial values to establish the legal demarcation line of the Inform finance.Our country should adopt the passivism free system orientation to the inform finance,inform finance which is in bounds should be restricted,outside the border,inform finance should be freedom.Particularly,only nationwide organizational form and scale inform finance can set up special law to restrict,and other ways offer to other inform finance.However,because inform financial subject reaches the standard structure has not established yet in our country,should pay even more attention to the cultivation of the inform finance subject of the market,while establish legal demarcation line.