本文關(guān)鍵詞： 民間借貸 中小企業(yè) 金融機構(gòu) 規(guī)范化發(fā)展　出處：《首都經(jīng)濟貿(mào)易大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：自改革開放以來，尤其是近幾年隨著我國經(jīng)濟的快速增長，民間財富的快速積累，我國民間借貸活動也呈現(xiàn)出了大踏步發(fā)展的趨勢�？v觀全球各國的經(jīng)濟發(fā)展和金融改革的途徑，我們不難發(fā)現(xiàn)民間借貸活動在各國經(jīng)濟生活中都占據(jù)了重要的位置。與此同時，從我國的實際情況來看，民間借貸在緩解中小企業(yè)融資難，金融市場化改革，全社會征信系統(tǒng)建立等多方面也起著不可替代的重要作用，因此民間借貸對于我國經(jīng)濟生活的穩(wěn)定和發(fā)展有著重要的益處。 但另一方面，由于我國民間借貸發(fā)展時間相對較短，對于其管理仍存在諸多空白，因此民間借貸活動在我國也時常呈現(xiàn)出來另一番情景，其常與暴力，高利貸，洗錢等嚴(yán)重違反法律法規(guī)，影響正常經(jīng)濟生活的的行為相聯(lián)系。同時，其過高的利率對于中小企業(yè)也有著巨大的傷害，影響其正常的經(jīng)營，也因此在金融危機的背景下，我國才會出現(xiàn)如此多的中小企業(yè)破產(chǎn)，中小企業(yè)主跑路的情況。 由此可見，，民間借貸就像一把雙刃劍一樣影響著我國經(jīng)濟的穩(wěn)定運行和快速發(fā)展，所以我們應(yīng)該對于民間借貸活動有著更為清醒的認識，既不能完全否定，全面取締，也不能放任自流，任其發(fā)展，應(yīng)當(dāng)在政府監(jiān)管之下，采用符合市場規(guī)律的辦法助其發(fā)展從而推動我國經(jīng)濟的發(fā)展和金融制度的改革更上一層樓。 本文筆者認為我國可以從三個方面入手，治理我國民間借貸活動混亂的局面。首先，制訂監(jiān)管范圍，確立以銀監(jiān)會為主體的監(jiān)管體制，同時完善修改現(xiàn)有法律，出臺諸如《放貸人條例》的統(tǒng)一性法規(guī)，并建立全國范圍的民間借貸市場。其次，深入金融制度和金融機構(gòu)改革，在繼續(xù)推進利率市場化改革，發(fā)展債券等直接融資方式的同時改革現(xiàn)有信貸方式，建立健全信用評級等制度，增加信用貸款比例。最后，制訂相關(guān)政策法規(guī)，在稅收等方面給予部分民間借貸活動政策支持以推進民間借貸活動的發(fā)展。
[Abstract]:Since the reform and opening up, especially in recent years, with the rapid growth of China's economy, the rapid accumulation of private wealth, China's private lending activities have also shown a trend of rapid development. Looking at the economic development and financial reform approaches of various countries around the world, it is not difficult to find that private lending activities have occupied an important position in the economic life of all countries. At the same time, From the point of view of the actual situation in our country, private lending also plays an irreplaceable role in alleviating the financing difficulties of small and medium-sized enterprises, in the reform of financial marketization, and in the establishment of a credit system for the whole society. Therefore, private lending to the stability and development of China's economic life has important benefits. But on the other hand, because of the relatively short period of development of private lending in China, there are still many gaps in its management. Therefore, folk lending activities often present a different scene in our country, often with violence and usury. Money laundering and other serious violations of laws and regulations that affect normal economic life are linked. At the same time, their excessive interest rates also cause great harm to small and medium-sized enterprises and affect their normal operation. Therefore, in the context of the financial crisis, Only then can our country appear so many small and medium-sized enterprises bankrupt, the small and medium-sized enterprise main runs the road the situation. Thus, it can be seen that private lending is like a double-edged sword that affects the stable operation and rapid development of our economy. Therefore, we should have a more sober understanding of private lending activities, which cannot be completely negated and completely banned. The government should adopt the method which accords with the law of the market to help the development of our country's economy and the reform of the financial system, so as to promote the development of our country's economy and the reform of the financial system. The author thinks that China can deal with the chaos of the folk lending activities from three aspects. First of all, we should formulate the scope of supervision, establish a regulatory system with CBRC as the main body, and perfect and amend the existing laws. Enact uniform laws such as the "lenders' regulations" and establish a nationwide private lending market. Secondly, go deep into the reform of the financial system and financial institutions, and continue to push forward the reform of marketization of interest rates. While developing direct financing methods such as bonds, we should reform existing credit methods, establish and improve credit rating systems, and increase the proportion of credit loans. Finally, we should formulate relevant policies and regulations. In tax and other aspects to give some private lending policy support to promote the development of private lending activities.
【學(xué)位授予單位】：首都經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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