【摘要】 作为金融脆弱性的一种表现形态,民间金融脆弱性的形成机制与传统信贷市场和金融市场的脆弱性既有相似之处,又有其独特的方面。民间金融脆弱性对中小企业融资环境带来危害,加剧了融资难和融资贵的程度。温州民间金融具有典型性,"规范发展民间融资"作为2012年温州金融综合改革的任务之一,突显民间金融脆弱性治理在金融综合改革中的重要性。民间金融脆弱性的治理是一项涉及实体经济转型、金融体系改革、民间资本投资及社会信用体系建设等多方面内容的系统性改革,而非单纯的金融层面问题。更多还原

【Abstract】 there are some similarities as differences between the formation mechanism of financial vulnerability of informal finance, which is a form of financial vulnerability, and that of the financial vulnerability of traditional credit market and financial market. The vulnerability of informal finance will damage the financing environment of SMEs, aggravate the difficulties in financing and increase the cost of that. Informal financing in Wenzhou is very typical; as one of the tasks of financial comprehensive reform in Wenzhou in 2012, "standardizing the development of informal finance" demonstrated the importance of governing the vulnerability of informal finance in financial comprehensive reform. However, governing the vulnerability of informal finance is a systematic reform concerning such aspects as the transformation of real economy, reform of financial system, investment of private capital and the building of social credit system; and it is definitely not a problem only at the level of finance.更多还原