【摘要】：民間金融歷史悠久、形式多樣,近年來(lái)日漸活躍的民間金融在經(jīng)濟(jì)發(fā)展中發(fā)揮了許多正面作用,但也不可忽視部分地區(qū)民間金融存在著組織非法、無(wú)序、違規(guī)發(fā)展的現(xiàn)象,以至于給金融體系的穩(wěn)定運(yùn)行和社會(huì)經(jīng)濟(jì)的健康發(fā)展方面帶來(lái)了一些負(fù)面影響。引導(dǎo)和規(guī)范民間金融健康發(fā)展已經(jīng)成為政府和學(xué)術(shù)界探討的重大課題。 實(shí)證分析表明,二元金融結(jié)構(gòu)深化是民間金融存在和發(fā)展的重要原因,其測(cè)算規(guī)模從1978年的413億元增至2010年的10萬(wàn)億元,民間金融組織形式也由初級(jí)和中級(jí)形態(tài)逐步向?qū)I(yè)化形態(tài)轉(zhuǎn)變,如何推進(jìn)民間金融正規(guī)化進(jìn)程將成為普惠金融體系建立的關(guān)鍵�，F(xiàn)階段,民間金融主要受到金融二元性、體制歧視、金融抑制和自身缺陷等因素的制約,應(yīng)著重考慮立法、監(jiān)管制度、配套制度和宏觀調(diào)控等方面來(lái)促進(jìn)民間金融健康發(fā)展。 本文對(duì)以二元金融結(jié)構(gòu)為研究視角,從民間金融發(fā)展的主要形式、運(yùn)行特點(diǎn)分析出發(fā),綜合運(yùn)用經(jīng)濟(jì)學(xué)、金融學(xué)、制度經(jīng)濟(jì)學(xué)、博弈論和計(jì)量經(jīng)濟(jì)學(xué)等知識(shí),較為系統(tǒng)的探討了民間金融健康發(fā)展的相關(guān)問(wèn)題,通過(guò)對(duì)民間金融規(guī)模進(jìn)行測(cè)算,并進(jìn)一步進(jìn)行二元金融結(jié)構(gòu)與民間金融發(fā)展的實(shí)證分析,分析制約我國(guó)民間金融發(fā)展的幾點(diǎn)原因,以資提出相應(yīng)的對(duì)策建議,推動(dòng)我國(guó)民間金融規(guī)范化、組織化和制度化發(fā)展。
[Abstract]:Folk finance has a long history and various forms. In recent years, folk finance has played a lot of positive roles in economic development. However, the phenomenon of illegal organization, disorder and illegal development of folk finance in some regions should not be ignored. It has brought some negative effects to the stable operation of financial system and the healthy development of social economy. Guiding and standardizing the healthy development of non-government finance has become a major issue discussed by the government and academia. The empirical analysis shows that the deepening of the dual financial structure is an important reason for the existence and development of private finance, and its scale of calculation has increased from 41.3 billion yuan in 1978 to 10 trillion yuan in 2010. The form of private financial organization has also gradually changed from the primary and intermediate forms to the specialized form. How to promote the formalization of private finance will be the key to the establishment of inclusive financial system. At the present stage, folk finance is mainly restricted by the duality of finance, system discrimination, financial suppression and its own defects. We should focus on the consideration of legislation, supervision system, supporting system and macro-control to promote the healthy development of folk finance. From the perspective of dual financial structure, this paper analyzes the main forms and operating characteristics of private finance, and applies the knowledge of economics, finance, institutional economics, game theory and econometrics. This paper systematically discusses the related problems of the healthy development of private finance, through the measurement of the scale of private finance, and further carries out the empirical analysis of the dual financial structure and the development of private finance. This paper analyzes the reasons for restricting the development of folk finance in China, and puts forward corresponding countermeasures and suggestions to promote the standardization, organization and institutionalization of folk finance in China.
【學(xué)位授予單位】：湖南農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35

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