【摘要】：民間借貸在我國具有悠久的歷史，改革開放后隨著我國私有制經(jīng)濟(jì)的發(fā)展而蓬勃興起。民間借貸在促進(jìn)我國社會(huì)主義經(jīng)濟(jì)建設(shè)的同時(shí)，也暴露出了許多問題和缺陷，并且已經(jīng)危害到了我國正常的經(jīng)濟(jì)運(yùn)行和社會(huì)安定，引起了國家的高度重視。 在這個(gè)背景下，本論文首先對我國民間借貸的現(xiàn)狀進(jìn)行了深入分析，包括民間借貸的經(jīng)濟(jì)主體、融資現(xiàn)狀、負(fù)面作用以及自身缺陷；然后構(gòu)建了不完全信息條件下銀企信貸關(guān)系的動(dòng)態(tài)博弈模型，在理論上肯定了銀行的惜貸行為，正因如此，中小企業(yè)很難從銀行融入資金，不得已轉(zhuǎn)向民間借貸，從而推動(dòng)了民間借貸的發(fā)展；之后又從資金供給角度、資金需求角度、民間借貸自身特征等方面探求我國民間借貸迅速發(fā)展的原因；然后又采用經(jīng)濟(jì)金融系數(shù)法對我國民間借貸的規(guī)模進(jìn)行了測算，采用面板數(shù)據(jù)模型對我國東中西部地區(qū)民間借貸和各地區(qū)經(jīng)濟(jì)增長之間的關(guān)系進(jìn)行了實(shí)證分析，證實(shí)了我國民間借貸區(qū)域效應(yīng)的存在；最后對我國民間借貸今后的發(fā)展提出了建議，，以期對我國經(jīng)濟(jì)建設(shè)貢獻(xiàn)自己的綿薄之力。
[Abstract]:Private lending has a long history in our country. After the reform and opening up, it flourished with the development of private ownership economy in our country. While promoting the socialist economic construction of our country, private lending has also exposed many problems and defects, and has endangered the normal economic operation and social stability of our country, which has attracted great attention of the state. In this context, this paper first of all makes an in-depth analysis of the current situation of private lending in China, including the economic main body of private lending, financing status, negative effects and their own defects; Then it constructs the dynamic game model of the credit relationship between banks and enterprises under the condition of incomplete information, and theoretically confirms the lending behavior of banks. Because of this, it is difficult for small and medium-sized enterprises to integrate funds from banks and have to turn to private lending. Thus promoting the development of private lending; Then it explores the reasons for the rapid development of private lending in China from the perspective of capital supply, capital demand, and the characteristics of private lending itself. Then the economic and financial coefficient method is used to calculate the scale of private lending in China, and the panel data model is used to analyze the relationship between private lending and regional economic growth in the eastern, central and western regions of China. It confirms the existence of regional effect of private lending in China. Finally, some suggestions are put forward for the future development of private lending in China, in order to contribute to the economic construction of our country.
【學(xué)位授予單位】：山東財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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