本文關(guān)鍵詞： 民間融資 規(guī)范發(fā)展 政策建議　出處：《湘潭大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：長(zhǎng)期以來，我國(guó)中小企業(yè)由于其自身的局限性，在融資方面一直處于比較尷尬的境地，民間融資的出現(xiàn)在解決中小企業(yè)融資這個(gè)問題上提供了一條新的思路。然而，民間融資在我國(guó)的存在和發(fā)展卻一直頗受爭(zhēng)議。出于防范金融風(fēng)險(xiǎn)和穩(wěn)定金融秩序的角度出發(fā)，政府對(duì)于民間融資的政策一直是十分謹(jǐn)慎的。隨著近些年來我國(guó)信貸的不斷收縮，民間融資再次成為社會(huì)熱議的焦點(diǎn)。政府也逐漸意識(shí)到民間融資對(duì)經(jīng)濟(jì)的作用和影響，民間融資的發(fā)展獲得了新的契機(jī)。與此同時(shí)，由于民間融資發(fā)展的不規(guī)范，其對(duì)社會(huì)的發(fā)展也帶來了許多問題。因此，，研究如何進(jìn)一步規(guī)范發(fā)展我國(guó)的民間融資，讓其更好地為市場(chǎng)經(jīng)濟(jì)服務(wù)，具有十分重要的意義。 本文緊緊圍繞規(guī)范發(fā)展民間融資這一核心問題，對(duì)我國(guó)的民間融資的發(fā)展特點(diǎn)、現(xiàn)狀及其存在的問題進(jìn)行了系統(tǒng)的研究，并在此基礎(chǔ)上提出了規(guī)范發(fā)展我國(guó)民間融資的相關(guān)政策建議。 本文首先介紹了西方的經(jīng)典融資結(jié)構(gòu)理論，并在此基礎(chǔ)上討論了西方融資結(jié)構(gòu)理論對(duì)我國(guó)的借鑒意義。此外，本文在國(guó)內(nèi)外研究的基礎(chǔ)上對(duì)民間融資的概念作出了界定，并根據(jù)民間融資的發(fā)展進(jìn)程及其組織化程度等特點(diǎn)將我國(guó)目前的民間融資形式劃分為簡(jiǎn)單形態(tài)、中間形態(tài)和專業(yè)化形態(tài)三大類別，并分別闡述其特點(diǎn)，指出其發(fā)展過程中所存在的局限性。在最后兩個(gè)部分，文章重點(diǎn)討論了目前我國(guó)民間融資存在的必要性及其發(fā)展過程中所呈現(xiàn)出來的問題，并針對(duì)問題提出了相關(guān)的政策建議。文章指出，民間融資與中小企業(yè)有著天然的契合性，具有正規(guī)金融所不具備的比較優(yōu)勢(shì)。民間融資的存在對(duì)于經(jīng)濟(jì)的發(fā)展，尤其是中小企業(yè)的發(fā)展有著絕對(duì)的必要性。然而，民間融資在其發(fā)展過程中卻存在著隱蔽性強(qiáng)、利率高、風(fēng)險(xiǎn)高以及監(jiān)管成本高等幾個(gè)大問題，這些問題會(huì)直接削弱民間融資對(duì)經(jīng)濟(jì)的正面效應(yīng)，而且不同形式的民間融資形式也有其各自的缺點(diǎn)。在此基礎(chǔ)上，文章不僅從宏觀及微觀兩個(gè)層面對(duì)這些問題提出了規(guī)范發(fā)展民間融資的政策建議，還就具體形式的民間融資提出了具體的政策建議。
[Abstract]:For a long time, small and medium-sized enterprises in our country have been in an awkward position in financing because of their own limitations. The emergence of private financing has provided a new way of thinking to solve the problem of financing for small and medium-sized enterprises. However, the existence and development of private financing in China has always been controversial. In order to prevent financial risks and stabilize the financial order, The government has always been very cautious about the policy of private financing. With the continuous contraction of credit in China in recent years, private financing has once again become the focus of hot discussion in the society. The government is also gradually aware of the role and impact of private financing on the economy. The development of private financing has gained a new opportunity. At the same time, due to the non-standard development of private financing, it has brought many problems to the development of society. Therefore, the study on how to further standardize the development of private financing in China, Let it serve for market economy better, have very important meaning. This paper focuses on the core issue of standardizing the development of private financing, and makes a systematic study of the development characteristics, current situation and existing problems of folk financing in China. On the basis of this, the paper puts forward the relevant policy suggestions to standardize the development of private financing in China. This paper first introduces the classical financing structure theory in the West, and then discusses the reference significance of the western financing structure theory to our country. In addition, this paper defines the concept of folk financing on the basis of domestic and foreign research. According to the characteristics of the development process and the degree of organization of folk financing, the present forms of folk financing in China are divided into three categories: simple form, intermediate form and specialized form, and their characteristics are expounded respectively. In the last two parts, the paper mainly discusses the necessity of the existence of private financing in China and the problems in the process of its development. The article points out that the private financing has the natural compatibility with the small and medium-sized enterprises, has the comparative advantage which the formal finance does not have, the existence of the folk finance to the economic development, In particular, the development of small and medium-sized enterprises is absolutely necessary. However, in the process of its development, private financing has several problems, such as strong concealment, high interest rate, high risk and high supervision cost. These problems will directly weaken the positive effects of private financing on the economy, and different forms of private financing also have their own disadvantages. This paper not only puts forward some policy suggestions on the development of private financing from the macro and micro aspects, but also puts forward some specific policy suggestions on the specific forms of private financing.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.35

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