我国典当业的发展沿革、现状与趋势研究

发布时间：2018-02-12 10:11

本文关键词： 中国典当史典当业现状宏观经济环境转型发展路径　出处：《辽宁师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：典当业在我国于1987年复出，迄今已有28年了。它活跃了国内民营经济，特别是在满足小微企业的融资需求方面起着一定的作用。我国典当业正以科学的发展观，扬弃传统典当行的一些经营方法，成为一种新型的金融工具和融资方式，深入社会经济发展的方方面面。然而，2013年12月在北京举办的“中国经济形势解析高层报告会”提出：目前，世界经济已经进入深度转型调整期。我国经济将进入非常困难的时期，即经济平稳增长压力较大，结构性矛盾突出。因而，社会各界关于“以改革打破困局、以创新促进发展”的呼声越来越强烈。典当业界务必充分认识到，典当业的经营环境已今是昨非。典当业这个历史悠久的融资服务方式可能面临必须全面的改革和创新，否则它就会走上自己的终结之路。本文先回顾了我国典当业的发展沿革；然后明确我国典当业必须转型的趋势。在我国现行的宏观经济背景下，认为我国典当业应在以下几个方面进行创新改革：第一，加快制度创新、明确产业特性；第二，加强业务品种创新的同时坚持民品特色；第三，明确经营方向：为中小微企业提供融资服务；第四，实施典当经营方式创新，走专业化、精细化发展道路；第五，典当行业的发展与改革应注重企业的社会责任。怎样才能成功实现典当业的转型，这无疑是一个值得研究的重大课题。目前，我国典当业在创新与转型发展方面已经取得了一定的成绩，但是深入分析后不难发现，我国典当业在创新与转型发展方面仍旧存在问题。秉持“理论联系实际”、“具体问题具体分析”的原则，根据现实国情，对我国典当业进行有效改革，为我国典当业的建设添砖加瓦。本文以对典当业的相关理论研究为基础，通过分析评述国内外典当业的发展史，比较典当业在一些国家兴盛、衰败的原因，，对我国典当业的现状进行了分析；进而分析出当前阶段是我国典当业创新改革的重要时期。与此同时，在当前宏观经济总体趋稳背景下，提出了几点关于“我国典当行业创新与转型发展路径”的建议。
[Abstract]:Pawnbroker has been back in China for 28 years since 1987. It has been active in the domestic private economy, especially in meeting the financing needs of small and micro enterprises. Sublation of some of the business methods of traditional pawnbrokers and becoming a new type of financial instrument and financing method, Go deep into all aspects of social and economic development. However, the "High-level report on the Analysis of China's Economic situation" held in Beijing on December 2013 put forward the following: at present, The world economy has entered a period of deep transformation and adjustment. China's economy will enter a very difficult period, that is, the pressure of steady economic growth is great, and structural contradictions are prominent. The call for innovation for development "is getting stronger and stronger. The pawnbroker industry must fully realize that the business environment of pawnbroking has already changed today. Pawnbroking, a long history of financing services, may face the need for comprehensive reform and innovation. Otherwise, it will go on its own way of ending. This paper reviews the development and evolution of the pawnbroking industry in our country, and then makes clear the trend that the pawnbroking industry in our country must transform. Under the current macroeconomic background of our country, The author thinks that the pawnbroking industry of our country should carry on the innovation reform in the following aspects: first, speed up the system innovation, make clear the industry characteristic; second, strengthen the business variety innovation while sticking to the characteristic of the civilian products; third, Clear business direction: to provide financing services for small and medium-sized enterprises; 4th, to implement pawn management innovation, to take the specialization, fine development path; 5th, The development and reform of pawn industry should pay attention to the social responsibility of enterprises. At present, China's pawnbroking industry has made certain achievements in innovation and transformation and development, but it is not difficult to find out after in-depth analysis. There are still problems in innovation and transformation and development of China's pawnbroking industry. Based on the principle of "integrating theory with practice" and "concrete analysis of concrete problems", and according to the actual situation, the pawnbroking industry of our country is reformed effectively. Based on the theoretical research on pawnbroking, this paper analyzes the development history of pawnbroking at home and abroad, and compares the reasons for the prosperity and decline of pawnbroking in some countries. This paper analyzes the present situation of pawnbroking industry in China, and points out that the present stage is an important period for the innovation reform of pawnbroking industry in our country. Some suggestions on innovation and transformation of pawn industry in China are put forward.
【学位授予单位】：辽宁师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.38

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