2010年5月国务院发布的《关于鼓励和引导民间投资健康发展的若干意见》(“新36条”)提出,要进一步拓宽民间投资领域和范围,鼓励和引导民间资本投资金融服务领域。从笔者对山东蓬莱市的调查结果看,两年多来,民间资本对地方金融业投资额与投资收益逐年增长,支持“三农”和小微企业取得了一些成效。民间资本对金融业投资额逐年增长,资金来源为民营企业与个人。截至2012 In May 2010, the “Opinions on Encouraging and Guiding the Healthy Development of Private Investment” promulgated by the State Council in May 2010 put forward that it is necessary to further broaden the scope and scope of private investment so as to encourage and guide private capital investment in the field of financial services. According to the author’s survey of Penglai City in Shandong Province, over the past two years, private capital has made some gains in the investment and returns on investment in local financial industry and in support of “three rural issues” and small and micro enterprises. Private capital investment in the financial industry increased year by year, funding sources for private enterprises and individuals. As of 2012