CAJ | 학술논문

新36条提出以来，民间资本投资已成为学术界的热议话题。鼓励和支持民间资本进入新兴产业无论是从金融改革的发展角度，还是经济发展的战略要求，都是对政府职能履行和金融自身改革的一次挑战。民间金融机构认可度低、经营能力差，民间资本运行成本较高，融资规模有限，市场准入受到限制等问题的产生是由于民间资本投资新兴产业缺乏专业性人才、政府给予的支持有限、效仿银行发展模式造成的水土不服等原因造成的。互联网技术与金融业务实现深度融合，有效地提高了民间资本投资新兴产业的效率、扩大了范围，并呈现快速增长的势头，为民间资本投资提供了契机。而其发展需要政府的合理引导，优化资源配置，加强监管，打破银行发展模式，激发民间资本投资活力，利用互联网金融建立新兴产业发展的高效投融资平台和支付结算体系，建立民间资本投资新兴产业的新型政府引导机制。
신36조제출이래，민간자본투자이성위학술계적열의화제。고려화지지민간자본진입신흥산업무론시종금융개혁적발전각도，환시경제발전적전략요구，도시대정부직능리행화금융자신개혁적일차도전。민간금융궤구인가도저、경영능력차，민간자본운행성본교고，융자규모유한，시장준입수도한제등문제적산생시유우민간자본투자신흥산업결핍전업성인재、정부급여적지지유한、효방은행발전모식조성적수토불복등원인조성적。호련망기술여금융업무실현심도융합，유효지제고료민간자본투자신흥산업적효솔、확대료범위，병정현쾌속증장적세두，위민간자본투자제공료계궤。이기발전수요정부적합리인도，우화자원배치，가강감관，타파은행발전모식，격발민간자본투자활력，이용호련망금융건립신흥산업발전적고효투융자평태화지부결산체계，건립민간자본투자신흥산업적신형정부인도궤제。
The new“36”article give the high focus on private capital investment. With carrying out government functions and a challenge to ifnance their own reforms, private capital was encouraged and supported to develop emerging industries. Management ability, higher private capital operating costs, limited ifnancing, market access restrictions and other issues are due to a lack of private capital investment in emerging industries professional personnel, limited government support and etc.. With the development of internet technology and ifnancial services, the private capital needs a reasonable guidance to optimize resource allocation, strength the supervision, break the stimulate mode, use of the internet to establish efifcient ifnancial investment and ifnancing platform for development of new industries and payment and settlement systems, establish a new government guidance investment in emerging industries mechanism.