我国民间融资规范发展研究

发布时间：2018-02-16 08:57

本文关键词： 民间融资规范发展政策建议　出处：《湘潭大学》2012年硕士论文　论文类型：学位论文

【摘要】：长期以来，我国中小企业由于其自身的局限性，在融资方面一直处于比较尴尬的境地，民间融资的出现在解决中小企业融资这个问题上提供了一条新的思路。然而，民间融资在我国的存在和发展却一直颇受争议。出于防范金融风险和稳定金融秩序的角度出发，政府对于民间融资的政策一直是十分谨慎的。随着近些年来我国信贷的不断收缩，民间融资再次成为社会热议的焦点。政府也逐渐意识到民间融资对经济的作用和影响，民间融资的发展获得了新的契机。与此同时，由于民间融资发展的不规范，其对社会的发展也带来了许多问题。因此，，研究如何进一步规范发展我国的民间融资，让其更好地为市场经济服务，具有十分重要的意义。本文紧紧围绕规范发展民间融资这一核心问题，对我国的民间融资的发展特点、现状及其存在的问题进行了系统的研究，并在此基础上提出了规范发展我国民间融资的相关政策建议。本文首先介绍了西方的经典融资结构理论，并在此基础上讨论了西方融资结构理论对我国的借鉴意义。此外，本文在国内外研究的基础上对民间融资的概念作出了界定，并根据民间融资的发展进程及其组织化程度等特点将我国目前的民间融资形式划分为简单形态、中间形态和专业化形态三大类别，并分别阐述其特点，指出其发展过程中所存在的局限性。在最后两个部分，文章重点讨论了目前我国民间融资存在的必要性及其发展过程中所呈现出来的问题，并针对问题提出了相关的政策建议。文章指出，民间融资与中小企业有着天然的契合性，具有正规金融所不具备的比较优势。民间融资的存在对于经济的发展，尤其是中小企业的发展有着绝对的必要性。然而，民间融资在其发展过程中却存在着隐蔽性强、利率高、风险高以及监管成本高等几个大问题，这些问题会直接削弱民间融资对经济的正面效应，而且不同形式的民间融资形式也有其各自的缺点。在此基础上，文章不仅从宏观及微观两个层面对这些问题提出了规范发展民间融资的政策建议，还就具体形式的民间融资提出了具体的政策建议。
[Abstract]:For a long time, small and medium-sized enterprises in our country have been in an awkward position in financing because of their own limitations. The emergence of private financing has provided a new way of thinking to solve the problem of financing for small and medium-sized enterprises. However, the existence and development of private financing in China has always been controversial. In order to prevent financial risks and stabilize the financial order, The government has always been very cautious about the policy of private financing. With the continuous contraction of credit in China in recent years, private financing has once again become the focus of hot discussion in the society. The government is also gradually aware of the role and impact of private financing on the economy. The development of private financing has gained a new opportunity. At the same time, due to the non-standard development of private financing, it has brought many problems to the development of society. Therefore, the study on how to further standardize the development of private financing in China, Let it serve for market economy better, have very important meaning. This paper focuses on the core issue of standardizing the development of private financing, and makes a systematic study of the development characteristics, current situation and existing problems of folk financing in China. On the basis of this, the paper puts forward the relevant policy suggestions to standardize the development of private financing in China. This paper first introduces the classical financing structure theory in the West, and then discusses the reference significance of the western financing structure theory to our country. In addition, this paper defines the concept of folk financing on the basis of domestic and foreign research. According to the characteristics of the development process and the degree of organization of folk financing, the present forms of folk financing in China are divided into three categories: simple form, intermediate form and specialized form, and their characteristics are expounded respectively. In the last two parts, the paper mainly discusses the necessity of the existence of private financing in China and the problems in the process of its development. The article points out that the private financing has the natural compatibility with the small and medium-sized enterprises, has the comparative advantage which the formal finance does not have, the existence of the folk finance to the economic development, In particular, the development of small and medium-sized enterprises is absolutely necessary. However, in the process of its development, private financing has several problems, such as strong concealment, high interest rate, high risk and high supervision cost. These problems will directly weaken the positive effects of private financing on the economy, and different forms of private financing also have their own disadvantages. This paper not only puts forward some policy suggestions on the development of private financing from the macro and micro aspects, but also puts forward some specific policy suggestions on the specific forms of private financing.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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