本文關(guān)鍵詞： 中國(guó)典當(dāng)史 典當(dāng)業(yè)現(xiàn)狀 宏觀經(jīng)濟(jì)環(huán)境 轉(zhuǎn)型發(fā)展路徑　出處：《遼寧師范大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：典當(dāng)業(yè)在我國(guó)于1987年復(fù)出，迄今已有28年了。它活躍了國(guó)內(nèi)民營(yíng)經(jīng)濟(jì)，特別是在滿足小微企業(yè)的融資需求方面起著一定的作用。我國(guó)典當(dāng)業(yè)正以科學(xué)的發(fā)展觀，揚(yáng)棄傳統(tǒng)典當(dāng)行的一些經(jīng)營(yíng)方法，成為一種新型的金融工具和融資方式，深入社會(huì)經(jīng)濟(jì)發(fā)展的方方面面。然而，2013年12月在北京舉辦的“中國(guó)經(jīng)濟(jì)形勢(shì)解析高層報(bào)告會(huì)”提出：目前，世界經(jīng)濟(jì)已經(jīng)進(jìn)入深度轉(zhuǎn)型調(diào)整期。我國(guó)經(jīng)濟(jì)將進(jìn)入非常困難的時(shí)期，即經(jīng)濟(jì)平穩(wěn)增長(zhǎng)壓力較大，結(jié)構(gòu)性矛盾突出。因而，社會(huì)各界關(guān)于“以改革打破困局、以創(chuàng)新促進(jìn)發(fā)展”的呼聲越來越強(qiáng)烈。典當(dāng)業(yè)界務(wù)必充分認(rèn)識(shí)到，典當(dāng)業(yè)的經(jīng)營(yíng)環(huán)境已今是昨非。典當(dāng)業(yè)這個(gè)歷史悠久的融資服務(wù)方式可能面臨必須全面的改革和創(chuàng)新，否則它就會(huì)走上自己的終結(jié)之路。本文先回顧了我國(guó)典當(dāng)業(yè)的發(fā)展沿革；然后明確我國(guó)典當(dāng)業(yè)必須轉(zhuǎn)型的趨勢(shì)。在我國(guó)現(xiàn)行的宏觀經(jīng)濟(jì)背景下，認(rèn)為我國(guó)典當(dāng)業(yè)應(yīng)在以下幾個(gè)方面進(jìn)行創(chuàng)新改革：第一，加快制度創(chuàng)新、明確產(chǎn)業(yè)特性；第二，加強(qiáng)業(yè)務(wù)品種創(chuàng)新的同時(shí)堅(jiān)持民品特色；第三，明確經(jīng)營(yíng)方向：為中小微企業(yè)提供融資服務(wù)；第四，實(shí)施典當(dāng)經(jīng)營(yíng)方式創(chuàng)新，走專業(yè)化、精細(xì)化發(fā)展道路；第五，典當(dāng)行業(yè)的發(fā)展與改革應(yīng)注重企業(yè)的社會(huì)責(zé)任。怎樣才能成功實(shí)現(xiàn)典當(dāng)業(yè)的轉(zhuǎn)型，這無疑是一個(gè)值得研究的重大課題。 目前，我國(guó)典當(dāng)業(yè)在創(chuàng)新與轉(zhuǎn)型發(fā)展方面已經(jīng)取得了一定的成績(jī)，但是深入分析后不難發(fā)現(xiàn)，我國(guó)典當(dāng)業(yè)在創(chuàng)新與轉(zhuǎn)型發(fā)展方面仍舊存在問題。秉持“理論聯(lián)系實(shí)際”、“具體問題具體分析”的原則，根據(jù)現(xiàn)實(shí)國(guó)情，對(duì)我國(guó)典當(dāng)業(yè)進(jìn)行有效改革，為我國(guó)典當(dāng)業(yè)的建設(shè)添磚加瓦。本文以對(duì)典當(dāng)業(yè)的相關(guān)理論研究為基礎(chǔ)，通過分析評(píng)述國(guó)內(nèi)外典當(dāng)業(yè)的發(fā)展史，比較典當(dāng)業(yè)在一些國(guó)家興盛、衰敗的原因，，對(duì)我國(guó)典當(dāng)業(yè)的現(xiàn)狀進(jìn)行了分析；進(jìn)而分析出當(dāng)前階段是我國(guó)典當(dāng)業(yè)創(chuàng)新改革的重要時(shí)期。與此同時(shí)，在當(dāng)前宏觀經(jīng)濟(jì)總體趨穩(wěn)背景下，提出了幾點(diǎn)關(guān)于“我國(guó)典當(dāng)行業(yè)創(chuàng)新與轉(zhuǎn)型發(fā)展路徑”的建議。
[Abstract]:Pawnbroker has been back in China for 28 years since 1987. It has been active in the domestic private economy, especially in meeting the financing needs of small and micro enterprises. Sublation of some of the business methods of traditional pawnbrokers and becoming a new type of financial instrument and financing method, Go deep into all aspects of social and economic development. However, the "High-level report on the Analysis of China's Economic situation" held in Beijing on December 2013 put forward the following: at present, The world economy has entered a period of deep transformation and adjustment. China's economy will enter a very difficult period, that is, the pressure of steady economic growth is great, and structural contradictions are prominent. The call for innovation for development "is getting stronger and stronger. The pawnbroker industry must fully realize that the business environment of pawnbroking has already changed today. Pawnbroking, a long history of financing services, may face the need for comprehensive reform and innovation. Otherwise, it will go on its own way of ending. This paper reviews the development and evolution of the pawnbroking industry in our country, and then makes clear the trend that the pawnbroking industry in our country must transform. Under the current macroeconomic background of our country, The author thinks that the pawnbroking industry of our country should carry on the innovation reform in the following aspects: first, speed up the system innovation, make clear the industry characteristic; second, strengthen the business variety innovation while sticking to the characteristic of the civilian products; third, Clear business direction: to provide financing services for small and medium-sized enterprises; 4th, to implement pawn management innovation, to take the specialization, fine development path; 5th, The development and reform of pawn industry should pay attention to the social responsibility of enterprises. At present, China's pawnbroking industry has made certain achievements in innovation and transformation and development, but it is not difficult to find out after in-depth analysis. There are still problems in innovation and transformation and development of China's pawnbroking industry. Based on the principle of "integrating theory with practice" and "concrete analysis of concrete problems", and according to the actual situation, the pawnbroking industry of our country is reformed effectively. Based on the theoretical research on pawnbroking, this paper analyzes the development history of pawnbroking at home and abroad, and compares the reasons for the prosperity and decline of pawnbroking in some countries. This paper analyzes the present situation of pawnbroking industry in China, and points out that the present stage is an important period for the innovation reform of pawnbroking industry in our country. Some suggestions on innovation and transformation of pawn industry in China are put forward.
【學(xué)位授予單位】：遼寧師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.38

【參考文獻(xiàn)】

相關(guān)期刊論文 前3條

1 邱峰;;我國(guó)典當(dāng)行業(yè)可持續(xù)發(fā)展問題研究[J];吉林金融研究;2011年11期

2 方春芹;;中國(guó)典當(dāng)業(yè)的行業(yè)歸屬探討[J];學(xué)理論;2013年23期

3 趙貴青;;典當(dāng)行業(yè)發(fā)展現(xiàn)狀研究[J];新西部(理論版);2013年10期

本文編號(hào)：1505387