我国民间借贷规范化发展研究

发布时间：2018-02-20 03:33

本文关键词： 民间借贷中小企业金融机构规范化发展　出处：《首都经济贸易大学》2013年硕士论文　论文类型：学位论文

【摘要】：自改革开放以来，尤其是近几年随着我国经济的快速增长，民间财富的快速积累，我国民间借贷活动也呈现出了大踏步发展的趋势。纵观全球各国的经济发展和金融改革的途径，我们不难发现民间借贷活动在各国经济生活中都占据了重要的位置。与此同时，从我国的实际情况来看，民间借贷在缓解中小企业融资难，金融市场化改革，全社会征信系统建立等多方面也起着不可替代的重要作用，因此民间借贷对于我国经济生活的稳定和发展有着重要的益处。但另一方面，由于我国民间借贷发展时间相对较短，对于其管理仍存在诸多空白，因此民间借贷活动在我国也时常呈现出来另一番情景，其常与暴力，高利贷，洗钱等严重违反法律法规，影响正常经济生活的的行为相联系。同时，其过高的利率对于中小企业也有着巨大的伤害，影响其正常的经营，也因此在金融危机的背景下，我国才会出现如此多的中小企业破产，中小企业主跑路的情况。由此可见，，民间借贷就像一把双刃剑一样影响着我国经济的稳定运行和快速发展，所以我们应该对于民间借贷活动有着更为清醒的认识，既不能完全否定，全面取缔，也不能放任自流，任其发展，应当在政府监管之下，采用符合市场规律的办法助其发展从而推动我国经济的发展和金融制度的改革更上一层楼。本文笔者认为我国可以从三个方面入手，治理我国民间借贷活动混乱的局面。首先，制订监管范围，确立以银监会为主体的监管体制，同时完善修改现有法律，出台诸如《放贷人条例》的统一性法规，并建立全国范围的民间借贷市场。其次，深入金融制度和金融机构改革，在继续推进利率市场化改革，发展债券等直接融资方式的同时改革现有信贷方式，建立健全信用评级等制度，增加信用贷款比例。最后，制订相关政策法规，在税收等方面给予部分民间借贷活动政策支持以推进民间借贷活动的发展。
[Abstract]:Since the reform and opening up, especially in recent years, with the rapid growth of China's economy, the rapid accumulation of private wealth, China's private lending activities have also shown a trend of rapid development. Looking at the economic development and financial reform approaches of various countries around the world, it is not difficult to find that private lending activities have occupied an important position in the economic life of all countries. At the same time, From the point of view of the actual situation in our country, private lending also plays an irreplaceable role in alleviating the financing difficulties of small and medium-sized enterprises, in the reform of financial marketization, and in the establishment of a credit system for the whole society. Therefore, private lending to the stability and development of China's economic life has important benefits. But on the other hand, because of the relatively short period of development of private lending in China, there are still many gaps in its management. Therefore, folk lending activities often present a different scene in our country, often with violence and usury. Money laundering and other serious violations of laws and regulations that affect normal economic life are linked. At the same time, their excessive interest rates also cause great harm to small and medium-sized enterprises and affect their normal operation. Therefore, in the context of the financial crisis, Only then can our country appear so many small and medium-sized enterprises bankrupt, the small and medium-sized enterprise main runs the road the situation. Thus, it can be seen that private lending is like a double-edged sword that affects the stable operation and rapid development of our economy. Therefore, we should have a more sober understanding of private lending activities, which cannot be completely negated and completely banned. The government should adopt the method which accords with the law of the market to help the development of our country's economy and the reform of the financial system, so as to promote the development of our country's economy and the reform of the financial system. The author thinks that China can deal with the chaos of the folk lending activities from three aspects. First of all, we should formulate the scope of supervision, establish a regulatory system with CBRC as the main body, and perfect and amend the existing laws. Enact uniform laws such as the "lenders' regulations" and establish a nationwide private lending market. Secondly, go deep into the reform of the financial system and financial institutions, and continue to push forward the reform of marketization of interest rates. While developing direct financing methods such as bonds, we should reform existing credit methods, establish and improve credit rating systems, and increase the proportion of credit loans. Finally, we should formulate relevant policies and regulations. In tax and other aspects to give some private lending policy support to promote the development of private lending activities.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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