鄂爾多斯民間金融發(fā)展研究
發(fā)布時間：2018-10-05 08:24
【摘要】：隨著我國工業(yè)現(xiàn)代化的穩(wěn)步推進,能源消費隨之水漲船高。尤其是自2005年以來,國內(nèi)煤炭價格的迅速攀升,為鄂爾多斯仰賴其自然資源優(yōu)勢而實現(xiàn)跨越式發(fā)展創(chuàng)造了空前的機遇。在經(jīng)濟發(fā)展浪潮此起彼伏的態(tài)勢之下,民間財富不斷累積,一大批中小企業(yè)也迅速崛起。然而必須承認(rèn)的是,鄂爾多斯經(jīng)濟發(fā)展起步較晚,由此伴隨著產(chǎn)業(yè)結(jié)構(gòu)單一、金融服務(wù)落后等種種問題,于是就不可避免產(chǎn)生了民間資本投資渠道過窄、中小企業(yè)難以獲得正規(guī)金融信貸支持的局面。鑒于資本逐利的自然屬性,鄂爾多斯民間借貸趨于白熱化的火熱局面,當(dāng)?shù)匾策M入了“全民放貸不炒股”的時代。而或直接或間接的投向煤炭和房地產(chǎn)產(chǎn)業(yè)的大規(guī)模的民間資本,更是推動了這些資金鏈上產(chǎn)業(yè)的持續(xù)擴張。于是,過度膨脹的房地產(chǎn)業(yè)轉(zhuǎn)眼便泡沫化,成為了民間借貸資金鏈斷裂的最直接推手。2011年秋,“蘇葉女案”、“王福金案”等重大民間借貸案件爆發(fā),鄂爾多斯民間借貸危機終于浮出水面,接下來一系列的連鎖反應(yīng)也由此引發(fā)。 作為正規(guī)金融支持實體經(jīng)濟的有益補充,民間借貸的存在和發(fā)展不乏其合理性。然而,我國歷來對于民間借貸疏于監(jiān)管,導(dǎo)致其一直處于自然發(fā)展?fàn)顟B(tài),不合理因素居多,尤其是隨高利借貸伴生的信貸風(fēng)險頗高。對于民間金融市場,如果任之自由發(fā)展,其不利因素必將威脅國家社會、經(jīng)濟和金融穩(wěn)定。 本文把民間借貸的金融理論研究與鄂爾多斯的自然區(qū)域特點結(jié)合起來,闡述并分析了鄂爾多斯民間借貸的形成、發(fā)展以及危機,并且通過研究對鄂爾多斯民間借貸危機發(fā)生的原因做了系統(tǒng)的總結(jié),最終提出了鄂爾多斯民間借貸發(fā)展的規(guī)范建議。
[Abstract]:With the steady progress of industrial modernization in China, energy consumption has increased. Especially since 2005, the rapid rise of domestic coal prices has created an unprecedented opportunity for Ordos to rely on its advantages of natural resources to achieve leapfrog development. In the tide of economic development one after another, the accumulation of private wealth, a large number of small and medium-sized enterprises also rose rapidly. However, it must be acknowledged that the economic development of Ordos started relatively late, thus accompanied by a single industrial structure, backward financial services and other problems, so it is inevitable that private capital investment channels are too narrow. Small and medium-sized enterprises are difficult to obtain formal financial credit support. In view of the natural nature of capital seeking interest, private lending in Ordos tends to heat up, and the local government has entered the era of "all people lending and not speculating in stocks". The large-scale private capital invested directly or indirectly in coal and real estate industry promotes the continuous expansion of these industries in the capital chain. As a result, the overinflated real estate industry immediately became a bubble, becoming the most direct driver of the breakage of the private lending fund chain. In the autumn of 2011, the "Su Ye female case" and the "Wang Fujin case" and other major private lending cases broke out. Ordos private lending crisis finally surfaced, followed by a series of chain effects also triggered. As a beneficial supplement of the formal financial support to the real economy, the existence and development of private lending is not without its rationality. However, due to the lack of supervision over private lending in China, it has always been in a state of natural development, with most unreasonable factors, especially the credit risk associated with high-interest lending is quite high. If the private financial market develops freely, its unfavorable factors will threaten the social, economic and financial stability of the country. This paper combines the financial theory of folk lending with the natural regional characteristics of Ordos, and expounds and analyzes the formation, development and crisis of folk lending in Ordos. And through the study of the causes of non-government lending crisis in Ordos made a systematic summary, and finally put forward the development of folk lending in Ordos recommendations.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.7
本文編號：2252684
[Abstract]:With the steady progress of industrial modernization in China, energy consumption has increased. Especially since 2005, the rapid rise of domestic coal prices has created an unprecedented opportunity for Ordos to rely on its advantages of natural resources to achieve leapfrog development. In the tide of economic development one after another, the accumulation of private wealth, a large number of small and medium-sized enterprises also rose rapidly. However, it must be acknowledged that the economic development of Ordos started relatively late, thus accompanied by a single industrial structure, backward financial services and other problems, so it is inevitable that private capital investment channels are too narrow. Small and medium-sized enterprises are difficult to obtain formal financial credit support. In view of the natural nature of capital seeking interest, private lending in Ordos tends to heat up, and the local government has entered the era of "all people lending and not speculating in stocks". The large-scale private capital invested directly or indirectly in coal and real estate industry promotes the continuous expansion of these industries in the capital chain. As a result, the overinflated real estate industry immediately became a bubble, becoming the most direct driver of the breakage of the private lending fund chain. In the autumn of 2011, the "Su Ye female case" and the "Wang Fujin case" and other major private lending cases broke out. Ordos private lending crisis finally surfaced, followed by a series of chain effects also triggered. As a beneficial supplement of the formal financial support to the real economy, the existence and development of private lending is not without its rationality. However, due to the lack of supervision over private lending in China, it has always been in a state of natural development, with most unreasonable factors, especially the credit risk associated with high-interest lending is quite high. If the private financial market develops freely, its unfavorable factors will threaten the social, economic and financial stability of the country. This paper combines the financial theory of folk lending with the natural regional characteristics of Ordos, and expounds and analyzes the formation, development and crisis of folk lending in Ordos. And through the study of the causes of non-government lending crisis in Ordos made a systematic summary, and finally put forward the development of folk lending in Ordos recommendations.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.7
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