基于二元金融结构视角的民间金融健康发展研究

发布时间：2018-11-18 15:44

【摘要】：民间金融历史悠久、形式多样,近年来日渐活跃的民间金融在经济发展中发挥了许多正面作用,但也不可忽视部分地区民间金融存在着组织非法、无序、违规发展的现象,以至于给金融体系的稳定运行和社会经济的健康发展方面带来了一些负面影响。引导和规范民间金融健康发展已经成为政府和学术界探讨的重大课题。实证分析表明,二元金融结构深化是民间金融存在和发展的重要原因,其测算规模从1978年的413亿元增至2010年的10万亿元,民间金融组织形式也由初级和中级形态逐步向专业化形态转变,如何推进民间金融正规化进程将成为普惠金融体系建立的关键。现阶段,民间金融主要受到金融二元性、体制歧视、金融抑制和自身缺陷等因素的制约,应着重考虑立法、监管制度、配套制度和宏观调控等方面来促进民间金融健康发展。本文对以二元金融结构为研究视角,从民间金融发展的主要形式、运行特点分析出发,综合运用经济学、金融学、制度经济学、博弈论和计量经济学等知识,较为系统的探讨了民间金融健康发展的相关问题,通过对民间金融规模进行测算,并进一步进行二元金融结构与民间金融发展的实证分析,分析制约我国民间金融发展的几点原因,以资提出相应的对策建议,推动我国民间金融规范化、组织化和制度化发展。
[Abstract]:Folk finance has a long history and various forms. In recent years, folk finance has played a lot of positive roles in economic development. However, the phenomenon of illegal organization, disorder and illegal development of folk finance in some regions should not be ignored. It has brought some negative effects to the stable operation of financial system and the healthy development of social economy. Guiding and standardizing the healthy development of non-government finance has become a major issue discussed by the government and academia. The empirical analysis shows that the deepening of the dual financial structure is an important reason for the existence and development of private finance, and its scale of calculation has increased from 41.3 billion yuan in 1978 to 10 trillion yuan in 2010. The form of private financial organization has also gradually changed from the primary and intermediate forms to the specialized form. How to promote the formalization of private finance will be the key to the establishment of inclusive financial system. At the present stage, folk finance is mainly restricted by the duality of finance, system discrimination, financial suppression and its own defects. We should focus on the consideration of legislation, supervision system, supporting system and macro-control to promote the healthy development of folk finance. From the perspective of dual financial structure, this paper analyzes the main forms and operating characteristics of private finance, and applies the knowledge of economics, finance, institutional economics, game theory and econometrics. This paper systematically discusses the related problems of the healthy development of private finance, through the measurement of the scale of private finance, and further carries out the empirical analysis of the dual financial structure and the development of private finance. This paper analyzes the reasons for restricting the development of folk finance in China, and puts forward corresponding countermeasures and suggestions to promote the standardization, organization and institutionalization of folk finance in China.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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