马克思主义生产关系视角下的我国当前民间借贷分析

发布时间：2018-07-02 21:45

本文选题：马克思 + 生产关系　；参考：《天津师范大学》2016年硕士论文

【摘要】：进入新世纪以来,民间借贷在我国呈现快速发展的态势,作为正规金融的有益补充,对我国的金融体制改革和经济发展起到了积极推动作用。但不可否认,由于缺乏具有针对性的理论指导,我国民间借贷长期处于混乱无序的发展状态,在合法与非法、创新与借鉴等政策、理念之间的过久徘徊,逐渐形成了巨大的金融风险和社会隐患。本文以马克思主义唯物史观和生息资本理论为指导,采取生产关系研究视角,把我国民间借贷作为一种经济关系,置于历史和现实这样一纵一横两个维度去分析,全面揭示了我国民间借贷产生、发展的社会历史条件,以及其基本特征,并在此基础上得出了引导我国民间借贷资本健康发展的主要路径。论文主体共包含了三章内容。第一章主要介绍了我国当前民间借贷的概念界定及其借贷关系的形成。阐明本文所研究的民间借贷的内涵,及其生产关系视角下对民间借贷形成过程的认识。第二章分析了生产关系视角下我国当前民间借贷关系的基本特征和发展趋势。这一部分是本文的核心和创新之处。本章运用马克思生息资本理论解读我国民间借贷发展变化,并揭示出民间借贷的发展趋势。第三章通过马克思主义生产关系视角的科学分析,得出有益于我国民间借贷发展的路径选择。从我国现实国情出发,以辩证的和发展的观点,针对文章所分析的民间借贷特点与不足提出相关建议,使我国民间借贷发展彰显中国特色。
[Abstract]:Since the beginning of the new century, private lending has shown a rapid development in China. As a beneficial supplement to the formal finance, it has played an active role in promoting the financial system reform and economic development in China. However, there is no denying that due to the lack of targeted theoretical guidance, China's private lending has been in a chaotic and disorderly state for a long time. It has been hovering too long between legal and illegal policies, innovation and reference, and between ideas. Has gradually formed the huge financial risk and the social hidden danger. Guided by Marxist historical materialism and the theory of interest-bearing capital, this paper, from the perspective of the study of the relations of production, puts the folk borrowing and lending in our country as an economic relationship, and puts it in the historical and realistic dimensions of "one vertical, one horizontal". This paper comprehensively reveals the social and historical conditions for the emergence and development of private lending in China and its basic characteristics. On this basis, the main ways to guide the healthy development of private lending capital in China are obtained. The main body of the thesis consists of three chapters. The first chapter mainly introduces the definition of folk lending and the formation of its relationship. This paper expounds the connotation of folk lending and the understanding of the forming process of folk lending from the perspective of production relations. The second chapter analyzes the basic characteristics and development trend of the current private lending relationship in the perspective of production relations. This part is the core and innovation of this paper. This chapter uses Marx's theory of interest-bearing capital to interpret the development and change of folk lending in China, and reveals the development trend of folk lending. The third chapter, through the scientific analysis of Marxist production relations, draws the path choice which is beneficial to the development of folk loan and loan in our country. From the point of view of dialectical and development, this paper puts forward some relevant suggestions on the characteristics and shortcomings of folk lending in view of the actual situation of our country, so as to make the development of folk lending in China manifest its Chinese characteristics.
【学位授予单位】：天津师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4

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