浙江省民间借贷研究

发布时间：2018-02-26 01:28

本文关键词： 民间借贷城乡二元结构金融抑制　出处：《山东大学》2013年硕士论文　论文类型：学位论文

【摘要】：民间借贷是正规金融的补充,但它一直游离在金融监测之外。近年来,民间借贷活动日益活跃,国家在2005年和2008年相继出台文件,对民间借贷促进经济发展的作用做出了肯定,但由于民间借贷的隐蔽性和不规范性,也产生了许多负面的影响。2011年温州发生大规模企业倒闭,老板“跑路”风波,甚至出现跳楼事件,严重影响了社会的稳定,民间借贷发展问题引起了社会的广泛关注。2012年3月底,浙江省温州市金融改革试点方案正式启动,民间借贷规范发展问题得到政府的重视。从浙江省2012年统计年鉴上看,民营经济的发展对本省的经济发展起到了巨大的推动作用,民间借贷对民营经济的发展有着重大影响,研究浙江省民间借贷的问题非常有意义。民间借贷的产生理论,主要有金融抑制理论、二元经济结构和交易成本理论三大理论。我国二元结构的产生具有深刻的历史原因,建国初期由于发展的需要,国家给予城市的发展许多便利的条件,农村的发展受到了制约,城乡二元结构就此形成。城乡二元结构导致了城乡金融二元结构的产生。改革开放之后,国家的经济得到了迅速的发展,正规金融机构垄断了大部分的资金,民营经济体在自身的劣势下,很难从正规金融机构中获得资金支持,民间借贷很好的解决了民营经济体融资困难的问题。本文首先明晰了民间借贷的概念,介绍了民间借贷产生的原因,并对浙江省城乡二元结构和金融发展水平用指标体系进行了测度,通过对二者的实证分析,证实了浙江省城乡二元结构和金融抑制对民间借贷发展的作用。然后对浙江省民间借贷的正负面效应进行了细致的分析,找到民间借贷正负面产生的原因。最后根据前文的理论和实证分析,从立法建议、政府作为和金融机构行为三个方面针对性的提出了规范浙江省民间借贷发展的几点建议。
[Abstract]:Private lending is a supplement to formal finance, but it has been dissociated from financial monitoring. In recent years, private lending activities have become increasingly active. In 2005 and 2008, the state issued documents one after another, affirming the role of private lending in promoting economic development. However, due to the concealment and non-standardization of private lending, there are also many negative effects. In 2011, a large-scale enterprise closed down in Wenzhou, and the boss "ran the road" and even jumped from buildings, which seriously affected the stability of the society. At the end of March 2012, the pilot program of financial reform in Wenzhou City, Zhejiang Province, was officially launched, and the government attached importance to the issue of the development of private lending and lending. From the statistical yearbook of Zhejiang Province on 2012, we can see from the statistical yearbook of Zhejiang Province on 2012, The development of private economy has played a great role in promoting the economic development of this province, and private lending has a great impact on the development of private economy. It is very meaningful to study the problem of private borrowing in Zhejiang Province. There are three main theories about the emergence of folk lending: financial suppression theory, dual economic structure theory and transaction cost theory. The emergence of dual structure in China has profound historical reasons, and in the early days of the founding of the people's Republic of China, it was necessary to develop. The state has given many convenient conditions for the development of cities. The development of rural areas has been restricted, and the dual structure of urban and rural areas has formed. The dualistic structure of urban and rural areas has led to the emergence of dualistic structures of urban and rural finance. After the reform and opening up, The economy of the country has developed rapidly, and the formal financial institutions have monopolized most of the funds. Under their own disadvantages, it is very difficult for the private economy to obtain financial support from the formal financial institutions. Private lending is a good solution to the private economy financing difficulties. This paper firstly clarifies the concept of folk lending, introduces the causes of private lending, measures the dual structure of urban and rural areas and the level of financial development in Zhejiang Province, and analyzes them empirically. This paper confirms the effect of the dual structure of urban and rural areas and financial repression on the development of private lending in Zhejiang Province. Then, it makes a detailed analysis of the positive and negative effects of private lending in Zhejiang Province. Finally, according to the above theoretical and empirical analysis, the author puts forward some suggestions to standardize the development of private lending in Zhejiang Province from three aspects: legislative suggestion, government behavior and financial institution behavior.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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