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我国民间借贷成因及区域效应分析

发布时间:2019-05-24 21:49
【摘要】:民间借贷在我国具有悠久的历史,改革开放后随着我国私有制经济的发展而蓬勃兴起。民间借贷在促进我国社会主义经济建设的同时,也暴露出了许多问题和缺陷,并且已经危害到了我国正常的经济运行和社会安定,引起了国家的高度重视。 在这个背景下,本论文首先对我国民间借贷的现状进行了深入分析,包括民间借贷的经济主体、融资现状、负面作用以及自身缺陷;然后构建了不完全信息条件下银企信贷关系的动态博弈模型,在理论上肯定了银行的惜贷行为,正因如此,中小企业很难从银行融入资金,不得已转向民间借贷,从而推动了民间借贷的发展;之后又从资金供给角度、资金需求角度、民间借贷自身特征等方面探求我国民间借贷迅速发展的原因;然后又采用经济金融系数法对我国民间借贷的规模进行了测算,采用面板数据模型对我国东中西部地区民间借贷和各地区经济增长之间的关系进行了实证分析,证实了我国民间借贷区域效应的存在;最后对我国民间借贷今后的发展提出了建议,,以期对我国经济建设贡献自己的绵薄之力。
[Abstract]:Private lending has a long history in our country. After the reform and opening up, it flourished with the development of private ownership economy in our country. While promoting the socialist economic construction of our country, private lending has also exposed many problems and defects, and has endangered the normal economic operation and social stability of our country, which has attracted great attention of the state. In this context, this paper first of all makes an in-depth analysis of the current situation of private lending in China, including the economic main body of private lending, financing status, negative effects and their own defects; Then it constructs the dynamic game model of the credit relationship between banks and enterprises under the condition of incomplete information, and theoretically confirms the lending behavior of banks. Because of this, it is difficult for small and medium-sized enterprises to integrate funds from banks and have to turn to private lending. Thus promoting the development of private lending; Then it explores the reasons for the rapid development of private lending in China from the perspective of capital supply, capital demand, and the characteristics of private lending itself. Then the economic and financial coefficient method is used to calculate the scale of private lending in China, and the panel data model is used to analyze the relationship between private lending and regional economic growth in the eastern, central and western regions of China. It confirms the existence of regional effect of private lending in China. Finally, some suggestions are put forward for the future development of private lending in China, in order to contribute to the economic construction of our country.
【学位授予单位】:山东财经大学
【学位级别】:硕士
【学位授予年份】:2013
【分类号】:F832.35

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