关于完善我国民间金融制度的研究

发布时间：2018-08-30 08:23

【摘要】：民间金融在我国的历史发展悠久，形式多样。钱庄、当铺、互助社等都属于民间金融组织的一部分，都曾在中国的历史舞台上扮演着重要的角色。自改革开放之后，我国逐步建立了具有中国特色的市场经济体制，民间金融随着市场经济的建立迅猛发展，为国内的民营资本经济和农村经济的发展做出了巨大贡献，极大的弥补了正规金融资金供给的不足，缓解了市场上经济体资金供求不等的矛盾。然而，与其贡献相悖的是，因为体制不健全，法律不完善，风险系数高等原因，民间金融组织活动受到了国家的严格管制，国家对民间金融借贷的管制一直长期采取抑制政策。严格管制带来的后果不但未能促进民间金融的健康发展，反而引起了一系列的问题。民间金融自出现以来，便游离于国家宏观调控与国家金融当局的调控之外，让企业与金融机构无所适从，民间金融自身发展也受到了不同程度的限制。本文的主要研究问题为如何完善我国民间金融制度的发展，即提出建议，促进民间金融健康有序发展。首先，从国民经济大背景下出发，论述我国民间金融在其发展中出现的问题和不足；其次，对同与民间金融关系紧密的正规金融的比较，找到一个合适的融资规模，使两者之间达到平衡；然后，对世界上其它国家国内民间金融发展所采取的措施进行借鉴，加强我国市场经济的金融发展；最后，规范民间金融制度，为民间金融的发展提出可行性建议和对策。对我国金融中介机构的供给水平和效率进行全面的提升，使民间金融在国家市场经济发展中发挥作用，使我国民间金融市场向着阳光化方向发展。本文对研究背景、目的及研究对象和方法等进行了阐述，梳理了文章的结构脉络；阐述了国内外学者对民间金融的界定以及对民间金融的产生、发展壮大的历史的研究；通过对民间金融所具有的形式和其诱致性制度变迁特点的研究，针对我国民间金融的一些问题，提出解决办法及适宜于我国民间金融发展的对策和建议。本文的创新主要在于研究思路的创新。基于西方经济理论对民间金融进行研究的文章并不充裕，现有文献往往是从法律角度、民间金融的政府管制、市场运行方面单独阐述，而非处在国内经济大环境下，对我国目前的民间金融的发展和民间金融制度进行全方位分析，并在此基础上提出可操作的对策建议。本文学习借鉴了前辈们的研究成果，将民间金融的构建置于我国经济深化改革的进程当中，基于国内经济发展的现实条件，从总体上把握我国民间金融发展的深层次原因，，完善我国市场的经济。
[Abstract]:Folk finance has a long history and various forms in our country. Money banks, pawnshops, and mutual aid societies all belong to private financial organizations and have played an important role in China's historical stage. Since the reform and opening up, China has gradually established a market economy system with Chinese characteristics. With the rapid development of the market economy, folk finance has made great contributions to the development of the domestic private capital economy and rural economy. It makes up for the shortage of the formal financial fund supply and alleviates the contradiction between the supply and demand of funds in the market. However, contrary to its contribution, because of the imperfect system, imperfect law, high risk coefficient and other reasons, the activities of private financial organizations are strictly controlled by the state. The consequence of strict regulation has not only failed to promote the healthy development of private finance, but also caused a series of problems. Since the emergence of private finance, it has been free from the state macro-control and the national financial authorities, leaving enterprises and financial institutions at a loss, and the development of private finance itself has been restricted to varying degrees. The main research problem of this paper is how to improve the development of our country's private financial system, that is, to put forward suggestions to promote the healthy and orderly development of private finance. First of all, from the background of national economy, this paper discusses the problems and deficiencies in the development of private finance in China. Secondly, it finds a suitable financing scale by comparing with the formal finance which is closely related to the folk finance. To achieve a balance between the two; then, to draw lessons from the measures taken by other countries in the world to strengthen the financial development of our market economy; finally, to standardize the private financial system, Put forward feasible suggestion and countermeasure for the development of folk finance. The supply level and efficiency of financial intermediary institutions in our country are promoted in an all-round way, so that folk finance can play a role in the development of national market economy, and make the private financial market of our country develop towards the direction of sunshine. This paper expounds the background, purpose, object and method of the research, combs the structure of the article, expounds the definition of the folk finance and the history of the emergence, development and expansion of the folk finance by the scholars at home and abroad. Based on the study of the forms of private finance and the characteristics of its induced institutional changes, the author puts forward some solutions and suggestions for the development of folk finance in China. The innovation of this paper mainly lies in the innovation of research ideas. There is not enough research on folk finance based on the western economic theory. The existing literature is often described separately from the legal angle, the government regulation of the private finance and the operation of the market, rather than in the domestic economic environment. Based on the analysis of the development of folk finance and the system of folk finance in China, some feasible countermeasures and suggestions are put forward. Based on the practical conditions of domestic economic development, this paper learns from the research achievements of the predecessors, puts the construction of private finance in the process of deepening the economic reform of our country, and generally grasps the deep-seated reasons for the development of our country's folk finance. Perfect the economy of our country market.
【学位授予单位】：沈阳师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.1

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