我国中小企业的民间资本借贷问题研究
发布时间：2019-06-10 02:23
【摘要】：改革开放以来,我国经济迅速发展,特别是民营经济更展现出蓬勃发展的生机。我国中小企业在促进科技进步,经济增长,增加就业,扩大国际贸易等方面,在国民经济的发展中发挥着重要作用。 随着经济的发展,大多数中小企业受规模和财务制度的限制,从正规的股票、债券市场很难得到资金支持,面临着融资困难的问题,资金短缺成为制约中小企业发展的瓶颈。民间借贷为中小企业提供资金支持,缓解融资困难问题起到积极作用,弥补了正规金融机构的缺陷。 随着我国民间资本规模的不断壮大,民间金融缺乏规范的管理方式和严格的法律制度约束,主要靠道德和信用来维系,长期游离于正规金融制度之外,易产生道德风险。尤其是2011年以来,由于中国的经济增速趋缓,再加上货币政策、国际金融经济形势的影响,使得资金的供应较为紧张,在一些民间资本借贷活跃的地区,出现了资金链断裂的现象,部分中小企业因无力偿还借贷甚至是月利息而倒闭、企业主逃债等情况,民间借贷市场危机由此爆发。 论文选择中小企业民间资本借贷问题进行深入研究,通过分析近几年我国民间借贷的现状和特点,当前存在的问题,并提出解决问题的对策建议。希望本文的研究对我国中小企业民间资本借贷问题的解决进行一定程度的有益探索。
[Abstract]:Since the reform and opening up, China's economy has developed rapidly, especially the private economy has shown the vitality of vigorous development. Small and medium-sized enterprises in China play an important role in the development of national economy in promoting scientific and technological progress, economic growth, increasing employment, expanding international trade and so on. With the development of economy, most small and medium-sized enterprises are limited by scale and financial system, and it is difficult to get financial support from the formal stock and bond market. facing the problem of financing difficulties, the shortage of funds has become the bottleneck restricting the development of small and medium-sized enterprises. Private lending provides financial support for small and medium-sized enterprises, alleviates the financing difficulties, and makes up for the defects of formal financial institutions. With the continuous growth of the scale of private capital in our country, private finance lacks standardized management mode and strict legal system constraints, which is mainly maintained by morality and credit, and is easy to produce moral hazard because it is separated from the formal financial system for a long time. Especially since 2011, due to the slowing economic growth rate in China, coupled with the impact of monetary policy and the international financial and economic situation, the supply of funds has been relatively tight, in some areas where private capital lending is active. There is a phenomenon of broken capital chain, some small and medium-sized enterprises fail because they are unable to repay their loans or even monthly interest, and business owners escape from debt, resulting in a crisis in the private lending market. In this paper, the problem of private capital lending in small and medium-sized enterprises is deeply studied, and the present situation and characteristics of private lending in China in recent years are analyzed, and the existing problems are put forward, and the countermeasures and suggestions to solve the problems are put forward. It is hoped that the research in this paper will carry on the beneficial exploration to a certain extent to the solution of the private capital loan problem of small and medium-sized enterprises in our country.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4
本文编号：2496093
[Abstract]:Since the reform and opening up, China's economy has developed rapidly, especially the private economy has shown the vitality of vigorous development. Small and medium-sized enterprises in China play an important role in the development of national economy in promoting scientific and technological progress, economic growth, increasing employment, expanding international trade and so on. With the development of economy, most small and medium-sized enterprises are limited by scale and financial system, and it is difficult to get financial support from the formal stock and bond market. facing the problem of financing difficulties, the shortage of funds has become the bottleneck restricting the development of small and medium-sized enterprises. Private lending provides financial support for small and medium-sized enterprises, alleviates the financing difficulties, and makes up for the defects of formal financial institutions. With the continuous growth of the scale of private capital in our country, private finance lacks standardized management mode and strict legal system constraints, which is mainly maintained by morality and credit, and is easy to produce moral hazard because it is separated from the formal financial system for a long time. Especially since 2011, due to the slowing economic growth rate in China, coupled with the impact of monetary policy and the international financial and economic situation, the supply of funds has been relatively tight, in some areas where private capital lending is active. There is a phenomenon of broken capital chain, some small and medium-sized enterprises fail because they are unable to repay their loans or even monthly interest, and business owners escape from debt, resulting in a crisis in the private lending market. In this paper, the problem of private capital lending in small and medium-sized enterprises is deeply studied, and the present situation and characteristics of private lending in China in recent years are analyzed, and the existing problems are put forward, and the countermeasures and suggestions to solve the problems are put forward. It is hoped that the research in this paper will carry on the beneficial exploration to a certain extent to the solution of the private capital loan problem of small and medium-sized enterprises in our country.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4
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