發(fā)布時(shí)間：2018-04-20 16:20

  本文選題：民間金融風(fēng)險(xiǎn) + 預(yù)警監(jiān)測(cè)指標(biāo)��； 參考：《武漢理工大學(xué)》2013年碩士論文

【摘要】：民間金融是相對(duì)于正規(guī)官方的金融而言的金融形式,在我國(guó)擁有兩千多年的歷史,是以民間信用為基礎(chǔ)發(fā)展起來(lái)的,其在融通資金、提高資金利用效率、解決中小企業(yè)融資難的問(wèn)題上成為正規(guī)金融的有益補(bǔ)充,促進(jìn)了我國(guó)經(jīng)濟(jì)的發(fā)展。然而,近年來(lái)不斷發(fā)生的區(qū)域性民間借貸危機(jī)則說(shuō)明了民間金融是把雙刃劍,在促進(jìn)經(jīng)濟(jì)發(fā)展的同時(shí),也削弱了政府的宏觀調(diào)控力度,具有潛伏的不可忽視的金融風(fēng)險(xiǎn)。因此,控制民間金融風(fēng)險(xiǎn)則是充分發(fā)揮其功效和克服其弊端的基礎(chǔ),做好民間金融風(fēng)險(xiǎn)的監(jiān)控和預(yù)警,建立一個(gè)相對(duì)完善的民間金融風(fēng)險(xiǎn)預(yù)警指標(biāo)體系,將有助于防范區(qū)域性民間金融風(fēng)險(xiǎn)轉(zhuǎn)化為危機(jī),對(duì)促進(jìn)我國(guó)經(jīng)濟(jì)和金融的健康、穩(wěn)定發(fā)展,有重要的現(xiàn)實(shí)意義。 本文共分為六個(gè)部分,分別對(duì)民間金融風(fēng)險(xiǎn)預(yù)警相關(guān)問(wèn)題進(jìn)行了論述。第一部分首先闡述了國(guó)內(nèi)外學(xué)者在民間金融風(fēng)險(xiǎn)領(lǐng)域的研究成果；第二部分則在綜合比較該領(lǐng)域的研究現(xiàn)狀和研究成果的基礎(chǔ)上,界定了民間金融的內(nèi)涵,并由此對(duì)我國(guó)民間金融風(fēng)險(xiǎn)進(jìn)行界定,并分析我國(guó)民間金融風(fēng)險(xiǎn)的特性；第三部分分析我國(guó)民間金融風(fēng)險(xiǎn)的來(lái)源,闡述我國(guó)民間金融風(fēng)險(xiǎn)的特性和生成機(jī)理,分別闡述了我國(guó)民間金融風(fēng)險(xiǎn)的內(nèi)生機(jī)理和外生機(jī)理；第四部分結(jié)合民間金融風(fēng)險(xiǎn)預(yù)警指標(biāo)體系的選取原則,確立了本文選取的民間金融風(fēng)險(xiǎn)預(yù)警指標(biāo)體系。通過(guò)因子分析法和KLR信號(hào)法對(duì)選取指標(biāo)的現(xiàn)實(shí)性和合理性進(jìn)行了實(shí)證檢驗(yàn),得出的結(jié)論是：本文選取的民間金融風(fēng)險(xiǎn)的預(yù)警指標(biāo)體系具有一定的現(xiàn)實(shí)意義,能夠較好的解釋我國(guó)的民間金融風(fēng)險(xiǎn)的產(chǎn)生原因和擬合民間金融風(fēng)險(xiǎn)的變化趨勢(shì)。第五部分,通過(guò)對(duì)民間金融風(fēng)險(xiǎn)的分析,結(jié)合我國(guó)民間金融的實(shí)際情況,提出了民間金融風(fēng)險(xiǎn)的管控措施,健全我國(guó)民間金融風(fēng)險(xiǎn)監(jiān)管的法律法規(guī),完善我國(guó)民間金融風(fēng)險(xiǎn)的監(jiān)管體系,讓民間金融從“灰色地帶”逐步“陽(yáng)光化”。最后,在第六部分中總結(jié)了本文的研究結(jié)論,并提出了研究存在的不足和對(duì)未來(lái)研究的展望。
[Abstract]:Private finance is a financial form relative to the formal and official finance. It has a history of more than two thousand years in our country. It has developed on the basis of folk credit. It is financing and improving the efficiency of capital utilization. To solve the problem of financing difficulties of SMEs has become a beneficial supplement to the formal finance and promoted the economic development of our country. However, the regional private lending crisis in recent years shows that private finance is a double-edged sword, which not only promotes economic development, but also weakens the government's macro-control, which has latent financial risks that can not be ignored. Therefore, controlling the private financial risk is the basis to give full play to its efficacy and overcome its disadvantages, to do a good job of monitoring and early warning of the private financial risk, and to establish a relatively perfect early warning index system of private financial risk. It will help to prevent the regional private financial risk from turning into crisis, and has important practical significance to promote the healthy and stable development of our country's economy and finance. This paper is divided into six parts. The first part describes the research achievements of domestic and foreign scholars in the field of private financial risk. The second part defines the connotation of folk finance on the basis of comprehensive comparison of the current research situation and research results in this field. The third part analyzes the sources of the private financial risks in our country, expounds the characteristics and generation mechanism of the private financial risks in China, and analyzes the characteristics of the private financial risks in China, and analyzes the characteristics and characteristics of the private financial risks in China. The fourth part combines with the selection principle of the early warning index system of the folk financial risk, and establishes the index system of the folk financial risk early warning selected in this paper. Through factor analysis and KLR signal method, the paper makes an empirical test on the feasibility and rationality of selecting indicators. The conclusion is that the early warning index system of folk financial risks selected in this paper has certain practical significance. It can explain the causes of the private financial risks and fit the changing trend of the private financial risks. The fifth part, through the analysis of the private financial risk, combined with the actual situation of the folk finance in our country, put forward the control measures of the private financial risk, and perfect the laws and regulations of the supervision of the private financial risk in our country. Improve the supervision system of the private financial risk, and gradually "sunshine" from the "grey zone" to the private finance. Finally, in the sixth part, the conclusion of this paper is summarized, and the deficiency of the research and the prospect of future research are put forward.
【學(xué)位授予單位】：武漢理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.39

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