民间借贷在金融市场中的竞争力研究

发布时间：2018-04-14 22:38

本文选题：民间借贷 + 地下金融　；参考：《南昌大学》2013年硕士论文

【摘要】：近年来,随着民间借贷形式之一的小额贷款公司的大力发展,大家都看到了民间金融这一广阔的市场空间,民间借贷成为了舆论的焦点。民间借贷最早是出现在南方发达地区,以前见不得光的民间借贷,由“地下金融”的身份披上了合法的外衣,开始活跃在许多经济发达的城市中,老百姓的思想观念也发生了变化,从谈之色变到欣然接受。民间借贷在现今经济发展中扮演了越来越重要的角色,最主要的体现是提供了中小微企业融资的渠道,为农村经济的发展、解决“三农”问题发挥了不可忽视的作用。基于以上原因,政府也开始对民间借贷转变政策,由以前的“堵”变成“导”,给予了大力度的政策支持。正是在这种情况下,被称为“非公有经济新36条”的《意见》出台,金融业的大门向民间资本打开了,这一新的契机更促进了民间资本的发展。市场空间的广阔再加上政策支持的力度,使得民间借贷市场鱼目混珠,许多不够规范的民间借贷机构如雨后春笋般冒了出来,与正规金融机构形成了抗衡之势。本文首先对民间借贷的内涵进行界定,介绍了民间借贷的特征、作用及表现形式,然后把民间借贷这种非正规金融方式与我国银行借贷等正规金融方式进行对比,通过SWOT分析的方法结合相关案例,以及目前蓬勃发展的小额贷款公司现状,旨在突出民间借贷的竞争力。最后,就制约民间借贷竞争力的因素及成因进行分析,有针对性地提出相关对策。
[Abstract]:In recent years, with the development of microfinance companies, which is one of the forms of private lending, we all see the wide market space of private finance, and private lending has become the focus of public opinion.Private lending was first found in the developed areas of the South. Before, private lending, which could not be seen to be naked, was put on a legal cloak by the identity of "underground finance", and began to be active in many economically developed cities.People's ideas have also changed, from the color of the talk to embrace.Folk lending plays a more and more important role in the development of economy nowadays, the most important manifestation is to provide the channel of financing for small and medium-sized enterprises, to play an important role in the development of rural economy and to solve the problem of "agriculture, countryside and farmers".For these reasons, the government also began to change the policy of private lending, from the former "block" to "guide", to give strong policy support.It is under this circumstance that the opinions, which are called "36 new terms of non-public economy", have been issued, and the door of the financial industry has opened to the private capital, which has promoted the development of the private capital.The broad market space and the strength of policy support make the private lending market mixed up, many non-standard private lending institutions sprang up like bamboo shoots, and formed a counterbalance with the formal financial institutions.This paper first defines the connotation of folk lending, introduces the characteristics, functions and forms of folk lending, and then compares the informal financial mode of folk lending with the formal financial methods such as bank lending in our country.Through the method of SWOT analysis, combined with the relevant cases, and the current situation of the booming microfinance companies, the purpose of this paper is to highlight the competitiveness of private lending.Finally, the factors and causes of restricting the competitiveness of private lending are analyzed, and relevant countermeasures are put forward.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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