河南省民间借贷发展问题研究

发布时间：2018-07-04 08:22

本文选题：河南省 + 民间借贷　；参考：《河南师范大学》2014年硕士论文

【摘要】：民间借贷易于变通又简捷迅速，吸引了大量社会上存在的零散资金，使之流入到不同领域，大大提高了资金的流通性和使用率，增强了资金的灵动性，活跃了整个市场经济，填补了正规金融机构的缺陷，为急需资金的中小微企业和个人提供方便的资金。当今社会经过不断发展，各个地区都已经形成了其各自不同的鲜明特征。河南省作为地处中原、历史悠久、农业经济发达、传统文化据主导地位的大省，省情具有鲜明的特点，其自身的民间借贷也呈现出了不同的特点。河南省民间借贷市场自形成以来，形式快捷自由，发展势头迅猛，在有限的时间内借贷数额逐年激增。民间借贷活动多以中小微企业寻求贷款为主，参与主体广泛，以熟人关系维系，从借款方到出借方再到中介方，或多或少都有相互熟识的关系。而在河南省内的非正规金融机构的发展也呈现出鲜明的特征：家族式的联营、关联式的贷款圈比比皆是。河南省民间借贷市场为资金的流通提供了有力的支持，为正在发展中的中小微企业提供了一定的保障，也间接地提供了很多就业岗位，丰富了各个行业的发展，对整个经济市场起到了一定的促进作用。但是由于尚未形成稳定的民间借贷市场，民间借贷活动仍处于雏形阶段，非正规金融机构普遍存在规模小实力不够的现象，整体呈现出初步发展、竞争无序的状态，导致利率失控、实践中操作不规范的状况频发。究其原因，分为内因和外因两个方面。就民间借贷市场自身来看，民众普遍存在的逐利心理诱使不少参与者纷纷加入民间借贷市场，市场中存在的大量资金又为民间借贷活动的产生提供了可能。就整体的经济发展状况来看，随着经济的飞速发展整体经济已经开始伴随有通胀的迹象，加之政策紧缩，，人们已经不满足于单纯的银行储蓄，而是纷纷去寻求一种可以保证自己所拥有资金的价值的其他途径，再加上高利润、高暴利的市场假象的迷惑，民间借贷得以快速发展。但是由于缺少相关的法制规范、监管机制和具体政策的规范与引导，民间借贷并没有朝着良性的方向发展。为了使民间借贷市场可以有序的运转，不但要有相应的法律法规支持，还要建立一套相对较为完善的监管体制，同时也需要形成完备的风险防范机制，成立合作性的金融团体共同发展，推进民间借贷的专业化经营，而民间借贷的参与各方主体也需要转变思想，保持理性观念，不要被暴利假象迷惑，各方都积极努力的作为才能够使民间借贷活动正常发展，使民间借贷市场有序运转。
[Abstract]:Folk lending is easy to adapt and simple and rapid, attracting a large number of scattered funds that exist in society, making them flow into different fields, greatly increasing the circulation and utilization rate of funds, enhancing the cleverness of funds, and activating the entire market economy. Fill in the defects of formal financial institutions and provide convenient funds for small and medium-sized enterprises and individuals in need of funds. With the development of society, different regions have formed their own distinctive characteristics. Henan Province is located in the Central Plains, has a long history, developed agricultural economy, and the traditional culture is the dominant province, the provincial situation has distinct characteristics, its own folk lending has also shown different characteristics. Since the formation of the folk loan market in Henan Province, the form is fast and free, the development momentum is swift and violent, and the amount of loan is increasing year by year in the limited time. The folk lending activities are mostly small and medium-sized enterprises seeking loans, the main participants are extensive, to maintain the relationship between acquaintances, from the borrower to the intermediary, more or less familiar with each other. The development of informal financial institutions in Henan Province also presents distinct characteristics: the family type of joint venture, associated lending circles abound. The private lending market in Henan Province has provided strong support for the circulation of funds, provided certain protection for small and medium-sized microenterprises in the process of development, and indirectly provided a lot of jobs and enriched the development of various industries. To the entire economic market has played a certain role in promoting. However, due to the fact that a stable private lending market has not yet been formed, private lending activities are still in their infancy, and informal financial institutions generally have a phenomenon of small scale and insufficient strength, showing a state of preliminary development and disordered competition as a whole. Interest rate out of control, the practice of non-standard operation of the situation occurs frequently. The reason is divided into two aspects: internal cause and external cause. From the point of view of the private lending market itself, the popular profit-seeking psychology induces many participants to join the private lending market, and the existence of a large amount of funds in the market provides the possibility for the emergence of private lending activities. As far as the overall economic development is concerned, with the rapid development of the economy, the overall economy has begun to show signs of inflation, coupled with policy tightening, people are no longer satisfied with simple bank savings. Instead, they are looking for other ways to ensure the value of the money they own, coupled with the delusions of high-profit, high-profiteering markets that have allowed private lending to grow rapidly. However, due to the lack of relevant legal norms, regulatory mechanisms and specific policy norms and guidance, private lending has not developed in a benign direction. In order for the private lending market to operate in an orderly manner, it is necessary not only to have corresponding laws and regulations, but also to establish a relatively perfect regulatory system, and at the same time, to form a complete risk prevention mechanism. The establishment of cooperative financial organizations to jointly develop and promote the specialized management of private lending, and the parties involved in private lending also need to change their minds, maintain rational concepts, and not be deceived by profiteering. All the parties can make the private lending activities develop normally and make the private lending market run in an orderly way.
【学位授予单位】：河南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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