小微企业民间融资政府监管问题与对策研究

发布时间：2018-03-08 15:22

  本文选题：小微企业　切入点：金融　出处：《湖南师范大学》2015年硕士论文　论文类型：学位论文

【摘要】：改革开放后,我国民营经济获得了快速发展,尤其是沿海省份,如浙江省率先成为一个名副其实的民营经济强省。作为我国经济结构的重要组成部分,民营经济的快速发展在推动我国经济社会发展方面发挥了举足轻重的作用,而数量多、活力强的小微企业群体是民营经济发展的关键。受益于民营经济的快速发展,我国民间积累了大量的资本,要盘活这部分资本并为我国经济社会发展作出进一步贡献,单靠正规金融已经无所满足小微企业的融资需求,在此情况下民间金融已经成为正规金融的重要补充,成为现代金融不可或缺的一部分,发挥着越来越重要的作用,尤其是在解决众多小微企业融资难问题方面更是发挥了不可替代的作用。对于小微企业而言,其与上规模企业在市场竞争中的地位是不平等的,尤其是在民间金融不被鼓励的当下而言,小微企业的生存现在十分艰巨,它们很难受到正规金融的青睐。伴随着孙大午案、吴英案等民间融资问题频发,一定程度上预示着民间融资的政府监管乏力,尤其是在民间融资越来越活跃的趋势下,加强民间融资政府监管刻不容缓。针对小微企业民间融资政府监管,本文展开了系统全面的研究,全文分五章：第1章,绪论,包括研究背景与意义、国内外研究综述和研究方法；第2章,小微企业与民间融资政府监管理论基础,重点论述了小微企业概念的界定、民间融资监管的理论基础两部分,并作了专门的理论综述；第3章,小微企业民间融资政府监管现状及原因剖析,重点论述了小微企业民间融资的监管现状,并就小微企业民间融资政府监管问题产生的成因作了具体剖析；第4章,构筑小微企业民间融资政府监管体系思考,从借鉴国内外立法实践、完善民间融资政府监管法律体系、完善小微企业传统民间融资政府监管机制、建立小微企业新兴民间融资政府监管机制四方面展开。第5章,结语。在当前民间金融发展现状的基础上,本文对小微企业民间融资政府监管问题展开了详细研究,期望能有效弥补当前研究不足,以及为以后的相关研究提供借鉴意义。
[Abstract]:After the reform and opening up, the private economy of our country has been developing rapidly, especially the coastal provinces, such as Zhejiang Province, which is the first to become a strong province of the private economy, which is an important part of the economic structure of our country. The rapid development of private economy has played an important role in promoting the economic and social development of our country, and a large number of small and micro enterprises with strong vitality are the key to the development of private economy, and benefit from the rapid development of private economy. China's private sector has accumulated a large amount of capital. To revitalize this part of the capital and make further contributions to our country's economic and social development, formal finance alone has failed to meet the financing needs of small and micro enterprises. Under such circumstances, private finance has become an important supplement to formal finance and an indispensable part of modern finance, playing an increasingly important role. In particular, it has played an irreplaceable role in solving the financing difficulties of many small and micro enterprises. For small and micro enterprises, their position in the market competition is not equal to that of the upper scale enterprises. Especially at a time when private finance is not encouraged, the survival of small and micro enterprises is very difficult now. It is very difficult for them to be favored by formal finance. With the Sun Tai Wu case, Wu Ying case and other private financing problems frequently occur. To a certain extent, it indicates that the government supervision of private financing is weak, especially in the trend of private financing becoming more and more active, so it is urgent to strengthen the government supervision of private financing. The thesis is divided into five chapters: chapter 1, introduction, including the research background and significance, domestic and foreign research review and research methods, chapter 2, small and micro enterprises and private financing government supervision theory foundation, This paper focuses on the definition of the concept of small and micro enterprises, the theoretical basis of private financing supervision, and makes a special theoretical summary. Chapter 3, the current situation and reasons of government supervision of private financing in small and micro enterprises are analyzed. This paper focuses on the current situation of the supervision of private financing in small and micro enterprises, and makes a concrete analysis of the causes of the government supervision of private financing in small and micro enterprises. Chapter 4, the construction of government supervision system of private financing in small and micro enterprises. From drawing lessons from domestic and foreign legislative practice, perfecting the legal system of private financing government supervision, perfecting the traditional private financing government supervision mechanism of small and micro enterprises, and establishing the government supervision mechanism of small and micro enterprises emerging private financing government. Chapter 5, Conclusion. On the basis of the current development of private finance, this paper makes a detailed study on the government supervision of private financing in small and micro enterprises, hoping that it can effectively make up for the deficiency of the current research and provide reference for the related research in the future.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F276.3;F832.4

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