民间信贷风险传导载体、路径及防范探讨

发布时间：2018-04-26 16:43

本文选题：民间信贷 + 利息所得税　；参考：《财会通讯》2014年29期

【摘要】：正一、引言近年来,在国家紧缩的货币政策以及对房地产行业的调控下,中小企业、房地产、煤炭等行业的融资越发困难。同时,随着我国市场经济不断发展,民间闲置资本不断增多,存款利息的下降及征收利息所得税等使人们存款意愿不断减少,并促进人们将民间资本投向具有较高收益的民间信贷市场,需求与供给的双向增长,促使我国民间信贷市场规模迅速扩大。民间信贷作为正规金融的有效补充,在很大程度上解决了企业融资难的问题,对我国社会经济的
[Abstract]:First, in recent years, with the country's tight monetary policy and the regulation of the real estate industry, SMEs, real estate, coal and other industries are increasingly difficult to finance. At the same time, with the continuous development of the market economy in our country, the private idle capital is increasing, and the interest rate on deposit and the interest income tax are decreasing. It also promotes people to invest private capital in the private credit market with higher income. The two-way growth of demand and supply makes the scale of our private credit market expand rapidly. Private credit, as an effective supplement of formal finance, to a great extent solves the problem of enterprise financing, which is of great importance to the social and economic development of our country.
【作者单位】：武汉理工大学;
【基金】：“中央高校基本科研业务费专项资金”(项目编号2012IB-070)的资助
【分类号】：F832.4

【参考文献】