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近年来,民间资本运行频现乱象和危机,大型的非法集资案屡现不鲜。这是传统的金融监管方式对民间资本监管的无力,信息不对称严重,以及民间融资借贷缺乏有效安全的交易平台,普通民众风险意识薄弱等原因造成的。采取疏堵并举的嵌入式监管,建立健全民间融资借贷服务平台和信用担保机制,疏通民间投资融资渠道,及时公开有关信息则是民间资本信用监管的有效改进措施。
In recent years, the operation of private capital is chaotic and crisis-ridden. Large-scale illegal fund-raising projects have not been repeated yet. This is caused by the weakness of traditional financial supervision over the regulation of private capital, the serious information asymmetry, the lack of effective and secure trading platform for private financing lending, and the weak general public’s risk awareness. Adopting the embedded regulation of removing congestion and blocking, establishing and improving non-governmental financial lending service platform and credit guarantee mechanism, unblocking private investment financing channels and disclosing relevant information in time are effective measures to improve credit supervision of private capital.