我国民间金融正规化的模式选择及其效率评价

发布时间：2018-04-26 21:28

本文选题：民间金融 + 正规化　；参考：《广东商学院》2012年硕士论文

【摘要】：随着经济的发展，，越来越多的融资需求产生，民间融资需求通常是小额、分散的，传统的国有正规金融由于一系列严格的手续和条件，难以满足像农户、中小企业这类民间主体的融资需求。而民间金融具有程序、信息、地域等优势，能够弥补正规金融服务的不足，深入民间服务，对经济的发展有着巨大的好处。因此，民间金融的内涵应该有所调整，在我国学者旧有的观点之上根据现阶段国情，凡是能够弥补正规金融服务不足的金融形式都应该归为民间金融。近年来，民间金融的形式日趋正规化，如村镇银行这样的正规化机构日渐获批成立。正规化的民间金融既保留了原有民间金融的优势，又带来了效率的提升，可以说是未来发展的重要趋势。从长远来看，正规化的民间金融才能够更好地为民间服务，提升效率。因此，对民间金融正规化的研究是一个非常有意义的课题。本文首先对民间金融做了一个系统的阐述，阐明了民间金融的概念，说明了它和其他金融形式的联系及区别，对民间金融作了一个清楚地概括和归纳。然后论述了民间金融的作用和正规化的必然性，分析正规化的模式选择、路径设计；再以村镇银行为代表，将效率分为自身效率和社会效率，运用DEA模型方法评价民间金融正规化的效率性；在发现效率所在的同时也发现日后改进的地方，为我国民间金融日后正规化的发展指明一条道路和方向。
[Abstract]:With the development of the economy, more and more financing needs have emerged. The private financing needs are usually small and dispersed. Because of a series of strict procedures and conditions, traditional state-owned formal finance is difficult to meet the needs of farmers. Small and medium-sized enterprises such as private entities of the financing needs. Private finance has the advantages of procedure, information, region and so on, which can make up for the deficiency of formal financial service and go deep into private service, which has great benefits to the development of economy. Therefore, the connotation of private finance should be adjusted. According to the current situation of Chinese scholars, all financial forms that can make up for the insufficiency of formal financial services should be classified as folk finance. In recent years, the form of private finance is becoming more and more formalized, such as village banks, such as regularization institutions are increasingly approved to set up. The regularized folk finance has not only retained the advantages of the original folk finance, but also brought about the improvement of efficiency, which can be said to be an important trend in the future development. In the long run, the formalized private finance can better serve the private sector and improve its efficiency. Therefore, the study of the formalization of private finance is a very meaningful topic. This article first makes a systematic exposition to the folk finance, clarifies the concept of the folk finance, explains the relation and difference between it and other financial forms, and makes a clear summary and induction to the folk finance. Then it discusses the function of folk finance and the inevitability of regularization, analyzes the mode selection and path design of formalization, and then divides efficiency into its own efficiency and social efficiency, taking the village bank as the representative. The DEA model is used to evaluate the efficiency of the formalization of private finance, and the efficiency is found at the same time that the future improvement is found, which points out a way and direction for the future development of the formalization of the folk finance in China.
【学位授予单位】：广东商学院
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35;F224

【参考文献】