我国民间金融的发展现状及对策研究
发布时间：2018-11-17 19:52
【摘要】：伴随我国经济的蓬勃发展,金融制度改革的不断深化,民营资本进入金融领域的步伐日益加快,社会生活中人们对金融需求呈多样性趋势。十八大报告在“加快完善社会主义市场经济体制和加快转变经济发展方式”中明确提出,要不断加快发展民营金融机构的步伐。民间金融发展再次受到肯定,进一步说明民间金融对于我国经济的重要性,我们应该更加关注民间金融的发展。同时,中国是一个发展中国家,正处于经济转轨的过程中,民间金融问题尤为突出。其存在相关立法滞后,信用风险高,监管难度大等问题,严重制约了自身的发展,我们应该引导民间金融规范发展。 与此同时,民间金融问题作为一个世界性的重要课题,近年来,在国内外学术界引起了人们极大的关注和研究。基于前人的研究,本文对民间金融这方面做了全面、系统地分析。首先,界定民间金融,民间金融的内涵,是相对于正规金融,这是不包含在国家金融管理制度内,从事该组织的融资活动,如地下钱庄,合会等为筹集资金的组织。其次,通过民间金融的相关理论为本文研究奠定了基础。在此基础上,本文研究了当前民间金融发展的现状和存在的问题,并综合国际民间金融发展的国家的案例分析,总结经验,汲取灵感,探讨对策,以规范民间金融在我国的发展,使其更加适应于我国社会主义市场经济的发展秩序。
[Abstract]:With the vigorous development of our economy and the deepening of the reform of financial system, the pace of private capital entering the financial field is accelerating day by day. In the report of the 18th National Congress of the Communist Party of China, in "speeding up the improvement of the socialist market economic system and speeding up the transformation of the mode of economic development," it was clearly pointed out that the pace of developing private financial institutions should be continuously accelerated. The development of folk finance is affirmed again, which further explains the importance of private finance to our economy, and we should pay more attention to the development of folk finance. At the same time, China is a developing country, is in the process of economic transition, private financial problems are particularly prominent. There are some problems, such as lagging legislation, high credit risk, difficult supervision and so on, which seriously restrict the development of our own, so we should guide the development of folk finance. At the same time, as an important issue in the world, private finance has attracted great attention and research in the academic circles at home and abroad in recent years. Based on previous studies, this paper makes a comprehensive and systematic analysis of private finance. First of all, the definition of folk finance, folk finance is relative to the formal finance, which is not included in the national financial management system, engaged in the financing activities of the organization, such as underground banks, associations and other organizations to raise funds. Secondly, through the relevant theory of private finance for this study laid a foundation. On this basis, this paper studies the current situation and existing problems of the private finance development, and synthesizes the case analysis of the countries of the international private finance development, sums up the experience, draws inspiration, and discusses the countermeasures. In order to standardize the development of folk finance in our country, make it more suitable for the development order of our socialist market economy.
【学位授予单位】：西安工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832
本文编号：2338875
[Abstract]:With the vigorous development of our economy and the deepening of the reform of financial system, the pace of private capital entering the financial field is accelerating day by day. In the report of the 18th National Congress of the Communist Party of China, in "speeding up the improvement of the socialist market economic system and speeding up the transformation of the mode of economic development," it was clearly pointed out that the pace of developing private financial institutions should be continuously accelerated. The development of folk finance is affirmed again, which further explains the importance of private finance to our economy, and we should pay more attention to the development of folk finance. At the same time, China is a developing country, is in the process of economic transition, private financial problems are particularly prominent. There are some problems, such as lagging legislation, high credit risk, difficult supervision and so on, which seriously restrict the development of our own, so we should guide the development of folk finance. At the same time, as an important issue in the world, private finance has attracted great attention and research in the academic circles at home and abroad in recent years. Based on previous studies, this paper makes a comprehensive and systematic analysis of private finance. First of all, the definition of folk finance, folk finance is relative to the formal finance, which is not included in the national financial management system, engaged in the financing activities of the organization, such as underground banks, associations and other organizations to raise funds. Secondly, through the relevant theory of private finance for this study laid a foundation. On this basis, this paper studies the current situation and existing problems of the private finance development, and synthesizes the case analysis of the countries of the international private finance development, sums up the experience, draws inspiration, and discusses the countermeasures. In order to standardize the development of folk finance in our country, make it more suitable for the development order of our socialist market economy.
【学位授予单位】：西安工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832
【参考文献】
相关博士学位论文 前1条
1 肖琼;我国民间金融法律制度研究[D];中南大学;2012年
，本文编号：2338875
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