本文選題：小微企業(yè) + 民間融資��； 參考：《廣東財(cái)經(jīng)大學(xué)》2015年碩士論文

【摘要】：早在4000年前,我國(guó)就出現(xiàn)了民間金融,其是一種傳統(tǒng)的融資方式,具有悠久的生存和發(fā)展歷史。近年來(lái),隨著我國(guó)經(jīng)濟(jì)的蓬勃發(fā)展,銀行等正規(guī)金融機(jī)構(gòu)在貸款上由于自身和政策條件的限制,難以滿(mǎn)足社會(huì)融資的迫切需要。而廣泛的市場(chǎng)需求為民間融資營(yíng)造了巨大的利潤(rùn)和發(fā)展空間,同時(shí),政策法律的滯后,也為其規(guī)避法律法規(guī)的約束提供了可能。民間融資雖然方便了民間個(gè)人和組織團(tuán)體的借款融資,但同時(shí),由于其獨(dú)立于我國(guó)正規(guī)的金融借貸行業(yè)之外,難以得到切實(shí)有效的指引和規(guī)制,產(chǎn)生了較大的消極影響。它在一定程度上沖擊了我國(guó)現(xiàn)行的金融貨幣政策,擾亂了金融市場(chǎng)秩序,同時(shí),還催生了高利貸、暴力收債等一系列違法犯罪現(xiàn)象,對(duì)社會(huì)的安定和諧、經(jīng)濟(jì)的快速穩(wěn)定發(fā)展產(chǎn)生了較大的負(fù)面影響。而小微企業(yè)在這個(gè)市場(chǎng)經(jīng)濟(jì)主體中處于弱勢(shì)的主體,其由于內(nèi)在和外在的種種原因,融資難的問(wèn)題在其身上表現(xiàn)的異常突出,要想快速有效地認(rèn)清和解決小微企業(yè)民間融資存在的一系列問(wèn)題,本文以我國(guó)小微企業(yè)融資難的困境為著手點(diǎn),綜合運(yùn)用經(jīng)濟(jì)學(xué)、管理學(xué)等理論,采用理論分析和實(shí)證分析相結(jié)合的方法,借鑒國(guó)內(nèi)外關(guān)于小微企業(yè)民間融資的理論和經(jīng)驗(yàn),通過(guò)提出問(wèn)題、分析問(wèn)題、解決問(wèn)題的思路,對(duì)小微企業(yè)民間融資的法律問(wèn)題進(jìn)行分析和研究。全文總共分為五大部分,第一部分是引言。主要闡述了選題的背景和研究的意義,研究意義主要從理論意義和實(shí)踐價(jià)值出發(fā),進(jìn)行詳細(xì)的闡述。第二部分是小微企業(yè)民間融資的概述,即小微企業(yè)民間融資的基本問(wèn)題。主要從三個(gè)維度進(jìn)行研究,即對(duì)小微企業(yè)民間融資的必要性與可行性進(jìn)行分析,對(duì)我國(guó)小微企業(yè)民間融資現(xiàn)狀和我國(guó)小微企業(yè)民間融資的缺陷進(jìn)行詳細(xì)地剖析。第三部分是域外關(guān)于小微企業(yè)民間融資法律制度的經(jīng)驗(yàn)借鑒,通過(guò)對(duì)美國(guó)、日本、英語(yǔ)、德國(guó)、香港地區(qū)、臺(tái)灣地區(qū)關(guān)于小微企業(yè)民間融資法律制度的比較和借鑒,得出相關(guān)值得我國(guó)學(xué)習(xí)和參照的寶貴經(jīng)驗(yàn)和結(jié)論。第四部分是針對(duì)我國(guó)小微企業(yè)民間融資出現(xiàn)的問(wèn)題和缺陷,借鑒國(guó)外的先進(jìn)經(jīng)驗(yàn),對(duì)完善我國(guó)小微企業(yè)民間融資提出法律建議,通過(guò)完善我國(guó)小微企業(yè)民間融資的法律制度、健全監(jiān)督管理體制、完善小微企業(yè)信用擔(dān)保法律體系的手段,對(duì)小微企業(yè)民間融資在發(fā)展過(guò)程出現(xiàn)的問(wèn)題進(jìn)行相對(duì)應(yīng)的有效解決,從而更好的規(guī)范金融秩序,促進(jìn)市場(chǎng)經(jīng)濟(jì)的健康穩(wěn)健的快速發(fā)展。第五部分是結(jié)尾,對(duì)前文提出的問(wèn)題得出的解決方案進(jìn)行總結(jié)。
[Abstract]:As early as 4000 years ago, folk finance appeared in China, which is a traditional financing method with a long history of survival and development. In recent years, with the rapid development of our economy, banks and other formal financial institutions are unable to meet the urgent needs of social financing because of their own restrictions and policy conditions. The extensive market demand creates a huge profit and development space for private financing. At the same time, the lag of policy and law makes it possible to circumvent the restriction of laws and regulations. Private financing is convenient for private individuals and organizations to borrow money, but at the same time, it is difficult to get effective guidance and regulation because of its independence from the formal financial lending industry in China, which has had a great negative impact. To a certain extent, it has impacted the current financial and monetary policy of our country, disturbed the order of the financial market, at the same time, it has spawned a series of illegal and criminal phenomena, such as usury, violent debt collection, and so on, which have brought about social stability and harmony. The rapid and steady development of the economy has had a great negative impact. And small and micro enterprises are in a weak position in the main body of the market economy. Due to various internal and external reasons, the problem of financing difficulties is extremely prominent on them. In order to quickly and effectively recognize and solve a series of problems existing in private financing of small and micro enterprises, this paper takes the difficult position of financing of small and micro enterprises in China as the starting point, synthetically applies the theories of economics and management, etc. Adopting the method of combining theoretical analysis with empirical analysis, drawing lessons from the theory and experience of small and micro enterprises' folk financing at home and abroad, through raising problems, analyzing problems, solving the ideas of problems, This paper analyzes and studies the legal problems of private financing in small and micro enterprises. The full text is divided into five parts altogether, the first part is the introduction. This paper mainly expounds the background of the topic and the significance of the research, the significance of the research mainly from the theoretical significance and practical value, detailed elaboration. The second part is an overview of the private financing of small and micro enterprises, that is, the basic problems of private financing of small and micro enterprises. This paper analyzes the necessity and feasibility of private financing of small and micro enterprises, and analyzes the present situation of private financing of small and micro enterprises in China and the defects of private financing of small and micro enterprises in China. The third part is about the experience of the small and microenterprise private financing legal system, through the comparison and the reference to the small and micro enterprise folk financing legal system in the United States, Japan, English, Germany, Hong Kong, Taiwan area, the United States, Japan, English, Germany, Hong Kong area, Taiwan area. Draw relevant valuable experience and conclusions worth learning and reference. In the fourth part, aiming at the problems and defects of private financing of small and micro enterprises in our country, we draw lessons from the advanced experience of foreign countries, and put forward some legal suggestions to perfect the folk financing of small and micro enterprises in our country, through perfecting the legal system of folk financing of small and micro enterprises in our country. Perfecting the supervision and management system, perfecting the legal system of credit guarantee for small and micro enterprises, and effectively solving the problems arising in the development process of private financing of small and micro enterprises, so as to better standardize the financial order. To promote the healthy and steady rapid development of the market economy. The fifth part is the end, the solution to the above-mentioned problems are summarized.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：D922.28

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本文編號(hào)：1941157