温州民间融资阳光化的途径探究

发布时间：2018-01-24 04:37

本文关键词： 民间资本民间融资阳光化温州市　出处：《华东理工大学》2012年硕士论文　论文类型：学位论文

【摘要】：温州经济是以中小企业和个体经营为主体的“小狗经济”,由于我国金融体制方面的原因,正规金融机构难以满足中小企业的融资需求,在此背景下,温州广大中小企业积极寻求其他融资渠道,民间融资逐渐成为了中小企业的主要融资方式,其产生和发展有一定的必然性和合理性,也有其自身的发展特点。改革开放以来,温州没有国家的过多投入,也没有更多的扶持政策,温州的发展靠自主发展和内源驱动,民间融资作为正规金融资源的有益补充,在其中发挥了十分重要的作用。近年来温州民间融资行为日益活跃,但是民间融资也存在着一些自身无法克服的弱点,如政府管理难、抗风险能力弱、容易被不法分子利用等,如当前温州在民间融资过程中,资金体制外循环现象趋于严重,地下钱庄、担保公司、典当行、投资公司遍地开花,这些机构暗地里扮演着“银背”的角色,且这种资金规模正在逐步累积放大,地下金融的长期存在势必影响到正常的经济和金融秩序,这些都往往成为政府管制、取缔民间融资的理由。本文试图通过研究温州民间金融的发展历程、特点、融资的主要渠道,分析融资过程中存在的风险,提出要进一步规范民间融资,促其走上阳光化发展的道路,在推进温州经济社会转型升级中发挥重要作用。本文共分六部分,第一部分：绪论。介绍全文的研究背景和意义、相关文献综述、研究方法和研究思路。第二部分：温州中小企业发展与民间融资的产生。第三部分：温州民间融资的特点、发展历程和运行状况。第四部分：温州民间融资的对温州经济社会的影响与制度困境。第五部分：温州民间融资阳光化的途径探索。由于民间融资的研究是一个庞大的系统工程。在本文有限的研究中,难以做到周到和全面,同时也由于民间融资的隐蔽性、非规范性,致使本文的统计数据不全面。本文的研究是基于一定的调查实践经验和理论基础,总结目前温州民间融资的问题,为温州民间融资健康发展提出了几点政策建议。
[Abstract]:Wenzhou economy is a "puppy economy" with small and medium-sized enterprises and self-employed enterprises as the main body. Due to the reasons of China's financial system, formal financial institutions are difficult to meet the financing needs of small and medium-sized enterprises. Wenzhou SMEs actively seek other financing channels, private financing has gradually become the main mode of financing for SMEs, its emergence and development has a certain degree of inevitability and rationality. Since the reform and opening up, Wenzhou does not have too much input from the state, and no more support policies, Wenzhou's development depends on independent development and endogenous drive. Private financing, as a useful supplement of formal financial resources, plays a very important role in it. In recent years, private financing in Wenzhou has become increasingly active, but there are some weaknesses that can not be overcome by private financing, such as difficult government management, weak ability to resist risks, and easy to be used by illegal elements. For example, in the process of private financing in Wenzhou, the phenomenon of external circulation of funds system tends to be serious, underground money banks, guarantee companies, pawnshops, investment companies everywhere, these institutions secretly play the role of "silver back". And this kind of capital scale is gradually accumulated and enlarged, the long-term existence of underground finance is bound to affect the normal economic and financial order, these are often become government control. This paper tries to study the development of Wenzhou folk finance, characteristics, the main channels of financing, analysis of the risks in the process of financing, put forward to further regulate private financing. It plays an important role in promoting Wenzhou's economic and social transformation and upgrading. This paper is divided into six parts, the first part: introduction. Introduce the research background and significance of the full text, related literature review. The second part: the development of small and medium-sized enterprises in Wenzhou and the emergence of private financing. The third part: the characteristics of Wenzhou private financing. Part 4th: the influence of Wenzhou folk financing on Wenzhou economy and society and the system predicament. 5th part: exploring the way of Wenzhou folk financing sunshine. Because the research of folk financing is a huge systematic project, it is difficult to be thoughtful and comprehensive in the limited research of this paper, but also because of the concealment of private financing, non-standard. The statistical data of this paper is not comprehensive. The research in this paper is based on a certain investigation practice experience and theoretical basis, summed up the current Wenzhou folk financing problems. Put forward several policy suggestions for the healthy development of Wenzhou folk financing.
【学位授予单位】：华东理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.5

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