温州民间借贷发展的成因及风险控制研究

发布时间：2018-01-19 09:44

本文关键词： 民间借贷民间资本温州借贷　出处：《安徽大学》2012年硕士论文　论文类型：学位论文

【摘要】：温州地处浙江省南部,下辖三区,二市,六县,陆域面积11700平方公里,其中山区占78%,海岸线长355公里。浙江省2010年第六次全国人口普查主要数据显示,浙江省常住人口5442.69万人,温州市常住人口912.21万人,是全省第一人口大市。温州总人口在全省中的比重约1/6。温州三面环山,一面朝海,自古以来被称为“七山二水一分田”,自然资源十分匮乏。温州在农耕文明时期是一个非常贫瘠的地方,改革开放前,温州交通闭塞,自身条件贫瘠,几乎无可利用资源,因战略需要,国家对温州建设投入少得可怜,人均耕地远落后于国家平均水平,当时人均三分耕地,使得温州是全省最穷的地方。改革开放后,政府放手发动民间的力量,温州因势而起,创立了生机勃勃的“温州模式”,促进了温州经济跨越式发展。改革开放初期温州开始发展民营经济,创办家庭工厂开始就已经出现了民间借贷,所以民间借贷是伴随着民营企业的发展而发展,民间借贷在温州由来已久。在温州这样一个以传统密集型产业为主要支撑的民营经济重镇,民间资本依靠其自身优势,有效解决了民营企业在发展过程中资金匮乏问题,为民营企业在危急关头提供了极大的便利与帮助,它在温州经济发展中功不可没。截止2010年,温州全市规模以上工业企业8096家,实现工业总产值4494.87亿元,较上年增长26.5%。温州从2001年全市GDP924亿,到2010年GDP2926亿,温州市GDP在过去十年的复合增长率达12.2%。 2011年温州“民间借贷危机”的大规模爆发再次将温州及民间借贷推至风口浪尖,温州民间借贷是历史的产物,是现行经济体制无法满足民营经济高速发展的产物,是民营经济生存与发展对金融需求的产物。客观、公正地评价温州民间借贷积极面与消积面具有重要的意义,为民间金融更好地为民营经济增长服务提出建设性建议。
[Abstract]:Wenzhou is located in the south of Zhejiang Province, under the jurisdiction of three districts, two cities, six counties, land area of 11700 square kilometers, including 78% mountain areas. The coastline is 355 kilometers long. In 2010, the main data of the 6th national census of Zhejiang Province showed that the resident population of Zhejiang Province is fifty-four million four hundred and twenty-six thousand and nine hundred , and that of Wenzhou is nine million one hundred and twenty-two thousand and one hundred . Wenzhou is the largest city in the province. The proportion of the total population of Wenzhou in the province is about 1 / 6. Wenzhou, surrounded by mountains on three sides and facing the sea on one side, has been called "seven mountains, two rivers and one field" since ancient times. Wenzhou was a very barren place in the period of farming civilization. Before the reform and opening up, Wenzhou had no access to traffic, poor conditions and almost no use of resources, because of strategic needs. The state invested very little in Wenzhou construction, and the per capita cultivated land fell far behind the national average. At that time, Wenzhou was the poorest place in the province. After the reform and opening up, the government let go of the folk forces. Wenzhou because of the situation, the creation of a vibrant "Wenzhou model", to promote Wenzhou's economic leapfrog development. At the beginning of reform and opening up, Wenzhou began to develop the private economy, and the establishment of the family factory began to have private lending, so private lending is accompanied by the development of private enterprises. Private lending has a long history in Wenzhou, where private capital depends on its own advantages in a private economy that is mainly supported by traditional intensive industries. It has effectively solved the problem of lack of funds in the process of development of private enterprises and provided great convenience and help for private enterprises in the critical moment. It has contributed to the economic development of Wenzhou. Until 2010. Wenzhou has more than 8096 industrial enterprises with a total industrial output value of four hundred and forty-nine billion four hundred and eighty-seven million yuan, an increase of 26. 5% over the previous year. Wenzhou has had GDP924 billion since 2001. By 2010, GDP2926 billion, Wenzhou City GDP in the past decade, the compound growth rate of 12. 2%. In 2011, the large-scale outbreak of Wenzhou "private lending crisis" once again pushed Wenzhou and private lending to the top of the wave, Wenzhou private lending is the product of history. Is the current economic system can not meet the rapid development of private economy product, is the survival and development of private economy for financial needs. Objective. It is of great significance to evaluate the positive side and the mask of elimination of private loans in Wenzhou fairly, and put forward constructive suggestions for private finance to serve the growth of private economy better.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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