發(fā)布時間：2018-02-26 01:28

  本文關(guān)鍵詞： 民間借貸 城鄉(xiāng)二元結(jié)構(gòu) 金融抑制　出處：《山東大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：民間借貸是正規(guī)金融的補充,但它一直游離在金融監(jiān)測之外。近年來,民間借貸活動日益活躍,國家在2005年和2008年相繼出臺文件,對民間借貸促進(jìn)經(jīng)濟(jì)發(fā)展的作用做出了肯定,但由于民間借貸的隱蔽性和不規(guī)范性,也產(chǎn)生了許多負(fù)面的影響。2011年溫州發(fā)生大規(guī)模企業(yè)倒閉,老板“跑路”風(fēng)波,甚至出現(xiàn)跳樓事件,嚴(yán)重影響了社會的穩(wěn)定,民間借貸發(fā)展問題引起了社會的廣泛關(guān)注。2012年3月底,浙江省溫州市金融改革試點方案正式啟動,民間借貸規(guī)范發(fā)展問題得到政府的重視。從浙江省2012年統(tǒng)計年鑒上看,民營經(jīng)濟(jì)的發(fā)展對本省的經(jīng)濟(jì)發(fā)展起到了巨大的推動作用,民間借貸對民營經(jīng)濟(jì)的發(fā)展有著重大影響,研究浙江省民間借貸的問題非常有意義。 民間借貸的產(chǎn)生理論,主要有金融抑制理論、二元經(jīng)濟(jì)結(jié)構(gòu)和交易成本理論三大理論。我國二元結(jié)構(gòu)的產(chǎn)生具有深刻的歷史原因,建國初期由于發(fā)展的需要,國家給予城市的發(fā)展許多便利的條件,農(nóng)村的發(fā)展受到了制約,城鄉(xiāng)二元結(jié)構(gòu)就此形成。城鄉(xiāng)二元結(jié)構(gòu)導(dǎo)致了城鄉(xiāng)金融二元結(jié)構(gòu)的產(chǎn)生。改革開放之后,國家的經(jīng)濟(jì)得到了迅速的發(fā)展,正規(guī)金融機構(gòu)壟斷了大部分的資金,民營經(jīng)濟(jì)體在自身的劣勢下,很難從正規(guī)金融機構(gòu)中獲得資金支持,民間借貸很好的解決了民營經(jīng)濟(jì)體融資困難的問題。 本文首先明晰了民間借貸的概念,介紹了民間借貸產(chǎn)生的原因,并對浙江省城鄉(xiāng)二元結(jié)構(gòu)和金融發(fā)展水平用指標(biāo)體系進(jìn)行了測度,通過對二者的實證分析,證實了浙江省城鄉(xiāng)二元結(jié)構(gòu)和金融抑制對民間借貸發(fā)展的作用。然后對浙江省民間借貸的正負(fù)面效應(yīng)進(jìn)行了細(xì)致的分析,找到民間借貸正負(fù)面產(chǎn)生的原因。最后根據(jù)前文的理論和實證分析,從立法建議、政府作為和金融機構(gòu)行為三個方面針對性的提出了規(guī)范浙江省民間借貸發(fā)展的幾點建議。
[Abstract]:Private lending is a supplement to formal finance, but it has been dissociated from financial monitoring. In recent years, private lending activities have become increasingly active. In 2005 and 2008, the state issued documents one after another, affirming the role of private lending in promoting economic development. However, due to the concealment and non-standardization of private lending, there are also many negative effects. In 2011, a large-scale enterprise closed down in Wenzhou, and the boss "ran the road" and even jumped from buildings, which seriously affected the stability of the society. At the end of March 2012, the pilot program of financial reform in Wenzhou City, Zhejiang Province, was officially launched, and the government attached importance to the issue of the development of private lending and lending. From the statistical yearbook of Zhejiang Province on 2012, we can see from the statistical yearbook of Zhejiang Province on 2012, The development of private economy has played a great role in promoting the economic development of this province, and private lending has a great impact on the development of private economy. It is very meaningful to study the problem of private borrowing in Zhejiang Province. There are three main theories about the emergence of folk lending: financial suppression theory, dual economic structure theory and transaction cost theory. The emergence of dual structure in China has profound historical reasons, and in the early days of the founding of the people's Republic of China, it was necessary to develop. The state has given many convenient conditions for the development of cities. The development of rural areas has been restricted, and the dual structure of urban and rural areas has formed. The dualistic structure of urban and rural areas has led to the emergence of dualistic structures of urban and rural finance. After the reform and opening up, The economy of the country has developed rapidly, and the formal financial institutions have monopolized most of the funds. Under their own disadvantages, it is very difficult for the private economy to obtain financial support from the formal financial institutions. Private lending is a good solution to the private economy financing difficulties. This paper firstly clarifies the concept of folk lending, introduces the causes of private lending, measures the dual structure of urban and rural areas and the level of financial development in Zhejiang Province, and analyzes them empirically. This paper confirms the effect of the dual structure of urban and rural areas and financial repression on the development of private lending in Zhejiang Province. Then, it makes a detailed analysis of the positive and negative effects of private lending in Zhejiang Province. Finally, according to the above theoretical and empirical analysis, the author puts forward some suggestions to standardize the development of private lending in Zhejiang Province from three aspects: legislative suggestion, government behavior and financial institution behavior.
【學(xué)位授予單位】：山東大學(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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本文編號：1535988