温州民间借贷问题研究

发布时间：2018-06-06 18:46

本文选题：温州民间借贷 + 风险　；参考：《天津商业大学》2013年硕士论文

【摘要】：民营经济发达是温州经济的一大特色，而民营经济的发展离不开金融的支持。尽管正规金融体系在支持民营经济发展方面发挥了重要作用，但是许多中小企业、个体工商户由于资信条件、抵押担保方面等的劣势，很难从正规金融渠道取得贷款，因此民间借贷成为其必要的补充。温州的民间借贷全国有名，如今，正是这些民间资本，使温州老板们“背井离乡”。自2011年4月江南皮革董事长黄鹤失踪以来，温州民企老板跑路事件愈演愈烈，已有近40名老板不知所踪。仅9月一个月，就有接近20起，甚至在中秋之夜出现多个老板集体出逃。目前，我国正处于体制转轨、结构调整和社会变革的关键时期，民间借贷在这一时期蓬勃发展起来，其形式多种多样，由于该领域缺乏相关的法律法规以及必要的监管措施进行规范，因此，目前我国的民间借贷存在着诸多的问题，给我国的经济发展带来了很多的负面影响，规范民间借贷势在必行。非法的民间借贷会引发各种金融风险，放贷人拿不到回款会产生扣押人质、非法拘禁、焚烧住宅等暴力行为，增加社会的不和谐因素，产生诸多的社会问题。另一方面，，随着我国经济的迅速发展和国家对非公有制经济的支撑力度逐渐加大，我国的中小型民营企业如雨后春笋般迅速发展起来，但正规金融机构的放贷偏见加剧了中小型企业融资难题，从客观上促进了我国民间借贷的发展。我国的民间借贷的发展弥补了正规金融机构服务不充分的弊端，不仅有利于促进了我国正规金融机构的发展，而且民间借贷机构通过为中小型民营企业、三农项目以及居民个人提供融资支持来促进国民经济的发展，因此民间借贷有着广阔的生存土壤和巨大的发展空间。综上所述，我国民间借贷的发展面临着众多的挑战，也面临着前所未有的机遇。
[Abstract]:The development of private economy is one of the characteristics of Wenzhou economy, and the development of private economy can not be separated from the support of finance. Although the formal financial system has played an important role in supporting the development of the private economy, many small and medium-sized enterprises and individual industrial and commercial households find it difficult to obtain loans from formal financial channels because of the disadvantages of credit conditions, mortgage guarantees, etc. Therefore, private lending has become a necessary supplement. Wenzhou's private lending is famous all over the country, now, it is these private capital, Wenzhou bosses "uprooted". Since the disappearance of Jiangnan Leather Chairman Huang he in April 2011, Wenzhou's private enterprise bosses have gone further and further, with nearly 40 bosses missing. In September alone, there were nearly 20 cases, and even on the night of the Mid-Autumn Festival, a number of bosses fled collectively. At present, China is in a critical period of system transition, structural adjustment and social change, and private lending has flourished during this period. Due to the lack of relevant laws and regulations in this field and the necessary regulatory measures to regulate it, there are many problems in our country's private lending at present, which have brought a lot of negative effects to the economic development of our country. It is imperative to standardize private lending. Illegal private lending can lead to all kinds of financial risks, and the failure of lenders to get back will lead to the taking of hostages, illegal detention, burning homes and other violent acts, increase social disharmony factors, and produce a lot of social problems. On the other hand, with the rapid development of China's economy and the state's support for the non-public sector of the economy, the small and medium-sized private enterprises in our country have sprung up rapidly. However, the lending bias of formal financial institutions has aggravated the financing problems of SMEs and objectively promoted the development of private lending in China. The development of private lending in our country has made up for the shortcomings of inadequate service provided by formal financial institutions, which is not only conducive to promoting the development of formal financial institutions in China, but also helps to promote the development of private enterprises in small and medium-sized enterprises. Three rural projects as well as individual residents provide financing support to promote the development of the national economy, so private lending has a broad survival soil and huge room for development. To sum up, the development of private lending in China is facing many challenges, but also facing unprecedented opportunities.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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