【摘要】 民间金融内生于中小微企业的融资需求之中,并形成了互利共生的关系。通过对民间金融规模进行测算,然后建立民间金融和中小微企业的共生模型,测算出2001~2012年我国民间金融和中小微企业之间的共生度和共生系数,结果表明中小微企业对民间金融的影响要小于民间金融对中小微企业的影响。因此,政府应明确民间金融的合法地位,并进行必要的监管和风险防范,努力将民间资金纳入到体制内循环中。更多还原

【Abstract】 The folk financing and SMES forms a symbiotic relationship.Through calculating the size of folk financing and establishing a symbiotic model,the paper calculates the symbiotic degree and symbiotic coefficient of folk financing and SMEs between 2001~2012.The result shows that the effect of SMEs on folk financing is smaller than folk financing to SMEs.So the government should make clear the legal status of folk financing,make the necessary regulations and risk prevention,and then include folk financing into the system.更多还原