CAJ | 학술논문

民间融资作为一种资金资源的市场配置行为和一种金融服务的补充形式，成为中小企业的重要融资渠道，对经济金融运行的影响日益深刻。民间融资规模的不断增长，民间融资无序的发展也产生了巨大的负面影响，存在着较大的风险隐患。要防范民间融资风险必须建立民间融资监测体系，完善民间融资法律监管，完善民间金融市场进入和退出机制，加速民间融资机构改革，探索制度创新。
민간융자작위일충자금자원적시장배치행위화일충금융복무적보충형식，성위중소기업적중요융자거도，대경제금융운행적영향일익심각。민간융자규모적불단증장，민간융자무서적발전야산생료거대적부면영향，존재착교대적풍험은환。요방범민간융자풍험필수건립민간융자감측체계，완선민간융자법률감관，완선민간금융시장진입화퇴출궤제，가속민간융자궤구개혁，탐색제도창신。
Private financing as a supplement in the form of financial resources, market allocation behavior and a financial services, has become an important financing channel for SMEs, the impact on economic and financial operations becomes increasingly profound. With the growing scale, the disorder development of private financing also had a huge negative impact, there are large potential risks. To guard against the risk, private financing must establish a monitoring system, strengthen the legal regulation, improve entry and exit mechanisms, accelerate the reform of non-governmental financing organizations, explore the system innovation.