【摘要】：改革開放以來,我國經(jīng)濟(jì)迅速發(fā)展,特別是民營經(jīng)濟(jì)更展現(xiàn)出蓬勃發(fā)展的生機(jī)。我國中小企業(yè)在促進(jìn)科技進(jìn)步,經(jīng)濟(jì)增長,增加就業(yè),擴(kuò)大國際貿(mào)易等方面,在國民經(jīng)濟(jì)的發(fā)展中發(fā)揮著重要作用。 隨著經(jīng)濟(jì)的發(fā)展,大多數(shù)中小企業(yè)受規(guī)模和財務(wù)制度的限制,從正規(guī)的股票、債券市場很難得到資金支持,面臨著融資困難的問題,資金短缺成為制約中小企業(yè)發(fā)展的瓶頸。民間借貸為中小企業(yè)提供資金支持,緩解融資困難問題起到積極作用,彌補(bǔ)了正規(guī)金融機(jī)構(gòu)的缺陷。 隨著我國民間資本規(guī)模的不斷壯大,民間金融缺乏規(guī)范的管理方式和嚴(yán)格的法律制度約束,主要靠道德和信用來維系,長期游離于正規(guī)金融制度之外,易產(chǎn)生道德風(fēng)險。尤其是2011年以來,由于中國的經(jīng)濟(jì)增速趨緩,再加上貨幣政策、國際金融經(jīng)濟(jì)形勢的影響,使得資金的供應(yīng)較為緊張,在一些民間資本借貸活躍的地區(qū),出現(xiàn)了資金鏈斷裂的現(xiàn)象,部分中小企業(yè)因無力償還借貸甚至是月利息而倒閉、企業(yè)主逃債等情況,民間借貸市場危機(jī)由此爆發(fā)。 論文選擇中小企業(yè)民間資本借貸問題進(jìn)行深入研究,通過分析近幾年我國民間借貸的現(xiàn)狀和特點(diǎn),當(dāng)前存在的問題,并提出解決問題的對策建議。希望本文的研究對我國中小企業(yè)民間資本借貸問題的解決進(jìn)行一定程度的有益探索。
[Abstract]:Since the reform and opening up, China's economy has developed rapidly, especially the private economy has shown the vitality of vigorous development. Small and medium-sized enterprises in China play an important role in the development of national economy in promoting scientific and technological progress, economic growth, increasing employment, expanding international trade and so on. With the development of economy, most small and medium-sized enterprises are limited by scale and financial system, and it is difficult to get financial support from the formal stock and bond market. facing the problem of financing difficulties, the shortage of funds has become the bottleneck restricting the development of small and medium-sized enterprises. Private lending provides financial support for small and medium-sized enterprises, alleviates the financing difficulties, and makes up for the defects of formal financial institutions. With the continuous growth of the scale of private capital in our country, private finance lacks standardized management mode and strict legal system constraints, which is mainly maintained by morality and credit, and is easy to produce moral hazard because it is separated from the formal financial system for a long time. Especially since 2011, due to the slowing economic growth rate in China, coupled with the impact of monetary policy and the international financial and economic situation, the supply of funds has been relatively tight, in some areas where private capital lending is active. There is a phenomenon of broken capital chain, some small and medium-sized enterprises fail because they are unable to repay their loans or even monthly interest, and business owners escape from debt, resulting in a crisis in the private lending market. In this paper, the problem of private capital lending in small and medium-sized enterprises is deeply studied, and the present situation and characteristics of private lending in China in recent years are analyzed, and the existing problems are put forward, and the countermeasures and suggestions to solve the problems are put forward. It is hoped that the research in this paper will carry on the beneficial exploration to a certain extent to the solution of the private capital loan problem of small and medium-sized enterprises in our country.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F832.4

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