本文關(guān)鍵詞： 民間借貸 民間資本 溫州 借貸　出處：《安徽大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：溫州地處浙江省南部,下轄三區(qū),二市,六縣,陸域面積11700平方公里,其中山區(qū)占78%,海岸線長355公里。浙江省2010年第六次全國人口普查主要數(shù)據(jù)顯示,浙江省常住人口5442.69萬人,溫州市常住人口912.21萬人,是全省第一人口大市。溫州總?cè)丝谠谌≈械谋戎丶s1/6。溫州三面環(huán)山,一面朝海,自古以來被稱為“七山二水一分田”,自然資源十分匱乏。溫州在農(nóng)耕文明時期是一個非常貧瘠的地方,改革開放前,溫州交通閉塞,自身?xiàng)l件貧瘠,幾乎無可利用資源,因戰(zhàn)略需要,國家對溫州建設(shè)投入少得可憐,人均耕地遠(yuǎn)落后于國家平均水平,當(dāng)時人均三分耕地,使得溫州是全省最窮的地方。改革開放后,政府放手發(fā)動民間的力量,溫州因勢而起,創(chuàng)立了生機(jī)勃勃的“溫州模式”,促進(jìn)了溫州經(jīng)濟(jì)跨越式發(fā)展。 改革開放初期溫州開始發(fā)展民營經(jīng)濟(jì),創(chuàng)辦家庭工廠開始就已經(jīng)出現(xiàn)了民間借貸,所以民間借貸是伴隨著民營企業(yè)的發(fā)展而發(fā)展,民間借貸在溫州由來已久。在溫州這樣一個以傳統(tǒng)密集型產(chǎn)業(yè)為主要支撐的民營經(jīng)濟(jì)重鎮(zhèn),民間資本依靠其自身優(yōu)勢,有效解決了民營企業(yè)在發(fā)展過程中資金匱乏問題,為民營企業(yè)在危急關(guān)頭提供了極大的便利與幫助,它在溫州經(jīng)濟(jì)發(fā)展中功不可沒。截止2010年,溫州全市規(guī)模以上工業(yè)企業(yè)8096家,實(shí)現(xiàn)工業(yè)總產(chǎn)值4494.87億元,較上年增長26.5%。溫州從2001年全市GDP924億,到2010年GDP2926億,溫州市GDP在過去十年的復(fù)合增長率達(dá)12.2%。 2011年溫州“民間借貸危機(jī)”的大規(guī)模爆發(fā)再次將溫州及民間借貸推至風(fēng)口浪尖,溫州民間借貸是歷史的產(chǎn)物,是現(xiàn)行經(jīng)濟(jì)體制無法滿足民營經(jīng)濟(jì)高速發(fā)展的產(chǎn)物,是民營經(jīng)濟(jì)生存與發(fā)展對金融需求的產(chǎn)物�？陀^、公正地評價溫州民間借貸積極面與消積面具有重要的意義,為民間金融更好地為民營經(jīng)濟(jì)增長服務(wù)提出建設(shè)性建議。
[Abstract]:Wenzhou is located in the south of Zhejiang Province, under the jurisdiction of three districts, two cities, six counties, land area of 11700 square kilometers, including 78% mountain areas. The coastline is 355 kilometers long. In 2010, the main data of the 6th national census of Zhejiang Province showed that the resident population of Zhejiang Province is fifty-four million four hundred and twenty-six thousand and nine hundred , and that of Wenzhou is nine million one hundred and twenty-two thousand and one hundred . Wenzhou is the largest city in the province. The proportion of the total population of Wenzhou in the province is about 1 / 6. Wenzhou, surrounded by mountains on three sides and facing the sea on one side, has been called "seven mountains, two rivers and one field" since ancient times. Wenzhou was a very barren place in the period of farming civilization. Before the reform and opening up, Wenzhou had no access to traffic, poor conditions and almost no use of resources, because of strategic needs. The state invested very little in Wenzhou construction, and the per capita cultivated land fell far behind the national average. At that time, Wenzhou was the poorest place in the province. After the reform and opening up, the government let go of the folk forces. Wenzhou because of the situation, the creation of a vibrant "Wenzhou model", to promote Wenzhou's economic leapfrog development. At the beginning of reform and opening up, Wenzhou began to develop the private economy, and the establishment of the family factory began to have private lending, so private lending is accompanied by the development of private enterprises. Private lending has a long history in Wenzhou, where private capital depends on its own advantages in a private economy that is mainly supported by traditional intensive industries. It has effectively solved the problem of lack of funds in the process of development of private enterprises and provided great convenience and help for private enterprises in the critical moment. It has contributed to the economic development of Wenzhou. Until 2010. Wenzhou has more than 8096 industrial enterprises with a total industrial output value of four hundred and forty-nine billion four hundred and eighty-seven million yuan, an increase of 26. 5% over the previous year. Wenzhou has had GDP924 billion since 2001. By 2010, GDP2926 billion, Wenzhou City GDP in the past decade, the compound growth rate of 12. 2%. In 2011, the large-scale outbreak of Wenzhou "private lending crisis" once again pushed Wenzhou and private lending to the top of the wave, Wenzhou private lending is the product of history. Is the current economic system can not meet the rapid development of private economy product, is the survival and development of private economy for financial needs. Objective. It is of great significance to evaluate the positive side and the mask of elimination of private loans in Wenzhou fairly, and put forward constructive suggestions for private finance to serve the growth of private economy better.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

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