【摘要】：民間金融在我國(guó)的歷史發(fā)展悠久，形式多樣。錢莊、當(dāng)鋪、互助社等都屬于民間金融組織的一部分，都曾在中國(guó)的歷史舞臺(tái)上扮演著重要的角色。自改革開(kāi)放之后，我國(guó)逐步建立了具有中國(guó)特色的市場(chǎng)經(jīng)濟(jì)體制，民間金融隨著市場(chǎng)經(jīng)濟(jì)的建立迅猛發(fā)展，為國(guó)內(nèi)的民營(yíng)資本經(jīng)濟(jì)和農(nóng)村經(jīng)濟(jì)的發(fā)展做出了巨大貢獻(xiàn)，極大的彌補(bǔ)了正規(guī)金融資金供給的不足，緩解了市場(chǎng)上經(jīng)濟(jì)體資金供求不等的矛盾。然而，與其貢獻(xiàn)相悖的是，因?yàn)轶w制不健全，法律不完善，風(fēng)險(xiǎn)系數(shù)高等原因，民間金融組織活動(dòng)受到了國(guó)家的嚴(yán)格管制，國(guó)家對(duì)民間金融借貸的管制一直長(zhǎng)期采取抑制政策。嚴(yán)格管制帶來(lái)的后果不但未能促進(jìn)民間金融的健康發(fā)展，反而引起了一系列的問(wèn)題。民間金融自出現(xiàn)以來(lái)，便游離于國(guó)家宏觀調(diào)控與國(guó)家金融當(dāng)局的調(diào)控之外，讓企業(yè)與金融機(jī)構(gòu)無(wú)所適從，民間金融自身發(fā)展也受到了不同程度的限制。 本文的主要研究問(wèn)題為如何完善我國(guó)民間金融制度的發(fā)展，即提出建議，促進(jìn)民間金融健康有序發(fā)展。首先，從國(guó)民經(jīng)濟(jì)大背景下出發(fā)，論述我國(guó)民間金融在其發(fā)展中出現(xiàn)的問(wèn)題和不足；其次，對(duì)同與民間金融關(guān)系緊密的正規(guī)金融的比較，找到一個(gè)合適的融資規(guī)模，使兩者之間達(dá)到平衡；然后，對(duì)世界上其它國(guó)家國(guó)內(nèi)民間金融發(fā)展所采取的措施進(jìn)行借鑒，加強(qiáng)我國(guó)市場(chǎng)經(jīng)濟(jì)的金融發(fā)展；最后，規(guī)范民間金融制度，為民間金融的發(fā)展提出可行性建議和對(duì)策。對(duì)我國(guó)金融中介機(jī)構(gòu)的供給水平和效率進(jìn)行全面的提升，使民間金融在國(guó)家市場(chǎng)經(jīng)濟(jì)發(fā)展中發(fā)揮作用，使我國(guó)民間金融市場(chǎng)向著陽(yáng)光化方向發(fā)展。 本文對(duì)研究背景、目的及研究對(duì)象和方法等進(jìn)行了闡述，梳理了文章的結(jié)構(gòu)脈絡(luò)；闡述了國(guó)內(nèi)外學(xué)者對(duì)民間金融的界定以及對(duì)民間金融的產(chǎn)生、發(fā)展壯大的歷史的研究；通過(guò)對(duì)民間金融所具有的形式和其誘致性制度變遷特點(diǎn)的研究，針對(duì)我國(guó)民間金融的一些問(wèn)題，提出解決辦法及適宜于我國(guó)民間金融發(fā)展的對(duì)策和建議。 本文的創(chuàng)新主要在于研究思路的創(chuàng)新。基于西方經(jīng)濟(jì)理論對(duì)民間金融進(jìn)行研究的文章并不充裕，現(xiàn)有文獻(xiàn)往往是從法律角度、民間金融的政府管制、市場(chǎng)運(yùn)行方面單獨(dú)闡述，而非處在國(guó)內(nèi)經(jīng)濟(jì)大環(huán)境下，對(duì)我國(guó)目前的民間金融的發(fā)展和民間金融制度進(jìn)行全方位分析，并在此基礎(chǔ)上提出可操作的對(duì)策建議。本文學(xué)習(xí)借鑒了前輩們的研究成果，將民間金融的構(gòu)建置于我國(guó)經(jīng)濟(jì)深化改革的進(jìn)程當(dāng)中，基于國(guó)內(nèi)經(jīng)濟(jì)發(fā)展的現(xiàn)實(shí)條件，從總體上把握我國(guó)民間金融發(fā)展的深層次原因，，完善我國(guó)市場(chǎng)的經(jīng)濟(jì)。
[Abstract]:Folk finance has a long history and various forms in our country. Money banks, pawnshops, and mutual aid societies all belong to private financial organizations and have played an important role in China's historical stage. Since the reform and opening up, China has gradually established a market economy system with Chinese characteristics. With the rapid development of the market economy, folk finance has made great contributions to the development of the domestic private capital economy and rural economy. It makes up for the shortage of the formal financial fund supply and alleviates the contradiction between the supply and demand of funds in the market. However, contrary to its contribution, because of the imperfect system, imperfect law, high risk coefficient and other reasons, the activities of private financial organizations are strictly controlled by the state. The consequence of strict regulation has not only failed to promote the healthy development of private finance, but also caused a series of problems. Since the emergence of private finance, it has been free from the state macro-control and the national financial authorities, leaving enterprises and financial institutions at a loss, and the development of private finance itself has been restricted to varying degrees. The main research problem of this paper is how to improve the development of our country's private financial system, that is, to put forward suggestions to promote the healthy and orderly development of private finance. First of all, from the background of national economy, this paper discusses the problems and deficiencies in the development of private finance in China. Secondly, it finds a suitable financing scale by comparing with the formal finance which is closely related to the folk finance. To achieve a balance between the two; then, to draw lessons from the measures taken by other countries in the world to strengthen the financial development of our market economy; finally, to standardize the private financial system, Put forward feasible suggestion and countermeasure for the development of folk finance. The supply level and efficiency of financial intermediary institutions in our country are promoted in an all-round way, so that folk finance can play a role in the development of national market economy, and make the private financial market of our country develop towards the direction of sunshine. This paper expounds the background, purpose, object and method of the research, combs the structure of the article, expounds the definition of the folk finance and the history of the emergence, development and expansion of the folk finance by the scholars at home and abroad. Based on the study of the forms of private finance and the characteristics of its induced institutional changes, the author puts forward some solutions and suggestions for the development of folk finance in China. The innovation of this paper mainly lies in the innovation of research ideas. There is not enough research on folk finance based on the western economic theory. The existing literature is often described separately from the legal angle, the government regulation of the private finance and the operation of the market, rather than in the domestic economic environment. Based on the analysis of the development of folk finance and the system of folk finance in China, some feasible countermeasures and suggestions are put forward. Based on the practical conditions of domestic economic development, this paper learns from the research achievements of the predecessors, puts the construction of private finance in the process of deepening the economic reform of our country, and generally grasps the deep-seated reasons for the development of our country's folk finance. Perfect the economy of our country market.
【學(xué)位授予單位】：沈陽(yáng)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)】：F832.1

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本文編號(hào)：2212525