温州民间借贷危机案例分析

发布时间：2017-12-31 10:14

本文关键词：温州民间借贷危机案例分析　出处：《辽宁大学》2013年硕士论文　论文类型：学位论文

【摘要】：温州民间借贷具有悠久的历史，改革开放以后，更是得到了快速发展。2011年秋，温州卷入一场罕见的民间金融危机之中，频繁曝出民间借贷资金链断裂老板跑路的消息，其中还有不少担保公司老板跑路的传闻。基于温州民间借贷的案例情况，本文对温州民间借贷的特点进行了总结，发现温州民间借贷存在利率奇高、借贷规模巨大、放贷参与率高、形式多样等特点；本文还对民间借贷危机的表现进行了阐述，温州民间借贷危机的产生主要表现在以下几个方面：民间借贷纠纷案猛增、私营企业老板欠债外逃、部分中小企业倒闭或停业；同时本文对温州民间借贷危机产生的根源进行了全面分析，由于温州企业的自身缺陷，货币政策急剧变动，民间借贷行为缺乏法律规范金融体制方面的制度性缺陷，民营企业追逐高利，实体经济“空心化”等原因导致了温州民间借贷危机的爆发。通过以上全面的分析和论述，本文对温州民间借贷提出了如下改进的措施和建议：加强政府的政策引导，规范民间借贷市场，加强金融监管，政府切实改善投融资环境，强化金融和法律知识宣传。
[Abstract]:Private lending in Wenzhou has a long history, after the reform and opening up, it has got rapid development of.2011 in the fall of Wenzhou in a rare financial crisis, private lending funds strand breaks frequently exposed the boss run away message, of which there are many Guarantee Corporation boss run away rumors.
Based on the case of private lending in Wenzhou, this paper summarizes the characteristics of Wenzhou private lending, private lending rates are found in Wenzhou is unusually high, borrowing huge scale, lending participation rate is high and the characteristics of various forms; the performance of the private lending crisis is discussed, Wenzhou private lending crisis produced mainly in the following several aspects: private lending disputes soared, private enterprise boss in flight, some small and medium-sized enterprise bankruptcy or closure; analyzes the causes on the Wenzhou private lending crisis, due to its own defects in Wenzhou enterprises, monetary policy changes, private lending behavior lack of institutional defects of legal norms of private financial system. Chase Gregory, the hollowing of the real economy and other reasons the Wenzhou private lending crisis. By the comprehensive Based on analysis and discussion, this paper puts forward the following measures and suggestions for improving private lending in Wenzhou: strengthening government's policy guidance, regulating private lending market, strengthening financial supervision, improving investment and financing environment, and strengthening financial and legal knowledge publicity.

【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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