發(fā)布時(shí)間：2018-06-04 04:12

  本文選題：民間資本 + 制度演進(jìn)　； 參考：《中共浙江省委黨校》2014年碩士論文

【摘要】：多年來，融資難一直制約著中小企業(yè)和“三農(nóng)”的發(fā)展，同時(shí)民間資本投資難的問題也非常突出。解決“兩多兩難”(中小企業(yè)多、融資難，民間資本多、投資難)的關(guān)鍵是要建立民間資本與中小企業(yè)的契合機(jī)制，即允許民間資本通過進(jìn)入金融領(lǐng)域向中小企業(yè)和農(nóng)戶提供資金支持。這樣不僅能夠?yàn)橹行∑髽I(yè)和農(nóng)戶緩解融資難困境，還能拓寬民間資本的投資渠道，解決投資難的問題。如何促使民間資本以更好、更有效的方式進(jìn)入地方金融領(lǐng)域，如何實(shí)現(xiàn)以民間資本為主體組建的新型金融組織的可持續(xù)發(fā)展，是一個(gè)亟需深入研究的重要課題。 本文運(yùn)用現(xiàn)代經(jīng)濟(jì)學(xué)、金融學(xué)和新制度經(jīng)濟(jì)學(xué)的理論和方法，對(duì)民間資本進(jìn)入金融領(lǐng)域的制度變遷和發(fā)展模式進(jìn)行了較為深入的探討。首先，本文運(yùn)用制度變遷理論和制度供需理論對(duì)民間資本進(jìn)入地方金融領(lǐng)域的制度演進(jìn)進(jìn)行了分析，分別論述了中央政府為主體的強(qiáng)制性制度變遷、以地方政府為主導(dǎo)的中間擴(kuò)散性制度變遷、以大企業(yè)為主導(dǎo)的資本需求型誘致性制度變遷、以中小企業(yè)為主導(dǎo)的資本需求型誘致性制度變遷和以民間資本為主的資本供給型誘致性制度深化等五個(gè)演進(jìn)階段。 其次，本文對(duì)完善民間資本進(jìn)入地方金融領(lǐng)域的模式進(jìn)行了研究。本文將小額貸款公司、村鎮(zhèn)銀行、農(nóng)村資金互助社、民間借貸服務(wù)中心及其中介機(jī)構(gòu)等多種新型金融組織作為主要研究對(duì)象，發(fā)現(xiàn)現(xiàn)有發(fā)展模式存在以下弊端：新型金融組織建設(shè)經(jīng)驗(yàn)不足，政策選擇有限且不符合長足發(fā)展；缺乏對(duì)新型金融機(jī)構(gòu)的政策優(yōu)惠，新型金融機(jī)構(gòu)在向中小企業(yè)服務(wù)的過程中存在規(guī)模歧視；新型金融機(jī)構(gòu)在內(nèi)部管理和經(jīng)營模式上存在低效率現(xiàn)象，影響其未來發(fā)展。要想實(shí)現(xiàn)民間資本有效的進(jìn)入金融領(lǐng)域以及新型金融組織的長足發(fā)展，必須促使新型金融組織完善現(xiàn)有模式并向民營銀行模式靠攏，明晰的產(chǎn)權(quán)模式、有效的經(jīng)營管理模式、完善的風(fēng)險(xiǎn)管控模式是完善其發(fā)展模式的核心。 再次，本文對(duì)民間資本進(jìn)入金融領(lǐng)域的發(fā)展模式進(jìn)行了案例分析。通過鄞州農(nóng)信社向合作銀行轉(zhuǎn)制的案例剖析，本文認(rèn)為轉(zhuǎn)制后吸引民間資本進(jìn)入的發(fā)展模式為新型金融組織的轉(zhuǎn)型提供了可資借鑒的經(jīng)驗(yàn)。本文以富平小額貸款公司為例，證明一些新型農(nóng)村金融組織已經(jīng)具備向民營銀行轉(zhuǎn)制的條件和資質(zhì)，但還存在身份界定難和社會(huì)公信力不足等問題。溫州民間借貸服務(wù)中心以及諸如人人貸等中介機(jī)構(gòu)的興起為民間資本提供了增值平臺(tái)，有望探索出一條民間借貸陽光化和規(guī)范化的新路徑。 最后，本文對(duì)全文進(jìn)行總結(jié)，提出了以下促進(jìn)民間資本進(jìn)入金融領(lǐng)域發(fā)展的對(duì)策建議：進(jìn)一步降低民間資本的準(zhǔn)入門檻；放寬市場利率，為其提供更多的政策優(yōu)惠；加大對(duì)新型金融組織的宣傳，提高公眾對(duì)其認(rèn)可度和信任度；降低對(duì)新型金融組織的限制，增大其發(fā)言權(quán)；加大對(duì)中小企業(yè)的支持力度，減少其貸款依賴；健全相關(guān)金融法律法規(guī)，，明確地方金融監(jiān)管主體。
[Abstract]:For many years , the financing difficulty has been restricted to the development of small and medium - sized enterprises and " three peasants " . The key to solve the problem of " two more difficult " ( multi - medium and small - sized enterprises , financing difficulties , multi - private capital and difficult investment ) is to establish the cooperation mechanism between the private capital and the small and medium - sized enterprises , which can not only alleviate the dilemma of financing difficult for the small and medium - sized enterprises and farmers , but also widen the investment channels of the private capital and solve the problem of the difficulty of investment .

Based on the theories and methods of modern economics , finance and new institutional economics , this paper analyzes the institutional change and development pattern of private capital entering the financial field . Firstly , this paper analyzes the institutional evolution of private capital entering the area of finance by using the theory of institutional change and the theory of system supply and demand .

Secondly , this paper studies the mode of perfecting the private capital into the local finance field . This paper presents several new financial organizations , such as the small loan company , the village bank , the rural fund mutual aid agency , the civil loan service center and the intermediary institution , as the main research object , and finds that the existing development mode has the following disadvantages : the new financial organization has insufficient experience , the policy choice is limited and does not accord with the long - term development ;
( b ) Lack of policy incentives for new financial institutions , and new financial institutions have a scale of discrimination in the process of providing services to SMEs ;
The new type of financial institution has low efficiency phenomenon in the internal management and operation mode and affects its future development . To realize the effective access of private capital into the financial field and the long - term development of the new financial organization , it is necessary to promote the new financial organization to perfect the existing model and close the private banking model , the clear property right model , the effective management mode and the perfect risk control mode are the core of improving its development mode .

Thirdly , this paper analyzes the development model of private capital entering the financial field . Through the case analysis of Yinzhou Agricultural Credit Cooperative to the cooperative bank , this paper argues that the development model of attracting private capital after the transformation provides the reference experience for the transformation of the new financial organization .

Finally , this paper summarizes the whole text , puts forward the following countermeasures to promote the development of folk capital into the financial sector : further reduce the access threshold of private capital ;
liberalise market interest rates and provide them with more policy concessions ;
Increase public awareness of new financial organizations and raise public awareness and trust ;
Reducing restrictions on new financial organizations and increasing their voice ;
Increase support to small and medium - sized enterprises and reduce their loan dependencies ;
Sound relevant financial laws and regulations , and make clear the main body of local financial supervision .
【學(xué)位授予單位】：中共浙江省委黨校
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.5

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 閻慶民;;矩陣式組織結(jié)構(gòu)：國有銀行改革下一站[J];銀行家;2007年02期

2 趙曉菊;劉莉亞;柳永明;;正規(guī)金融與非正規(guī)金融合作會(huì)提高農(nóng)戶期望收益嗎?——理論分析和實(shí)證檢驗(yàn)[J];財(cái)經(jīng)研究;2011年04期

3 劉桂芝;馬克思的產(chǎn)權(quán)理論與國有企業(yè)產(chǎn)權(quán)改革[J];當(dāng)代經(jīng)濟(jì)研究;2004年11期

4 傅勇;邱兆祥;王修華;;我國中小銀行經(jīng)營績效及其影響因素研究[J];國際金融研究;2011年12期

5 鐘海英;;我國地方金融管理體制改革研究[J];南方金融;2013年02期

6 唐谷軍;;場外市場:中小企業(yè)融資的可能途徑[J];國際經(jīng)濟(jì)合作;2012年11期

7 苑書義;;金融產(chǎn)權(quán)與金融組織的內(nèi)生關(guān)系及啟示[J];經(jīng)濟(jì)問題探索;2011年10期

8 楊瑞龍;我國制度變遷方式轉(zhuǎn)換的三階段論———兼論地方政府的制度創(chuàng)新行為[J];經(jīng)濟(jì)研究;1998年01期

9 顧海峰;李丹;;我國上市商業(yè)銀行全面經(jīng)營績效評(píng)價(jià)的實(shí)證研究——基于現(xiàn)金流生成路徑的視角[J];金融理論與實(shí)踐;2012年03期

10 中國人民銀行臨沂市中心支行課題組;民營銀行構(gòu)造及其營運(yùn)模式研究[J];金融研究;1999年12期

相關(guān)博士學(xué)位論文 前1條

1 張廣寧;破解中國中小企業(yè)融資困境的對(duì)策研究[D];遼寧大學(xué);2009年

本文編號(hào)：1975846