本文選題：民間借貸 + 地下金融�。� 參考：《南昌大學(xué)》2013年碩士論文

【摘要】：近年來,隨著民間借貸形式之一的小額貸款公司的大力發(fā)展,大家都看到了民間金融這一廣闊的市場(chǎng)空間,民間借貸成為了輿論的焦點(diǎn)。民間借貸最早是出現(xiàn)在南方發(fā)達(dá)地區(qū),以前見不得光的民間借貸,由“地下金融”的身份披上了合法的外衣,開始活躍在許多經(jīng)濟(jì)發(fā)達(dá)的城市中,老百姓的思想觀念也發(fā)生了變化,從談之色變到欣然接受。民間借貸在現(xiàn)今經(jīng)濟(jì)發(fā)展中扮演了越來越重要的角色,最主要的體現(xiàn)是提供了中小微企業(yè)融資的渠道,為農(nóng)村經(jīng)濟(jì)的發(fā)展、解決“三農(nóng)”問題發(fā)揮了不可忽視的作用�；谝陨显�,政府也開始對(duì)民間借貸轉(zhuǎn)變政策,由以前的“堵”變成“導(dǎo)”,給予了大力度的政策支持。正是在這種情況下,被稱為“非公有經(jīng)濟(jì)新36條”的《意見》出臺(tái),金融業(yè)的大門向民間資本打開了,這一新的契機(jī)更促進(jìn)了民間資本的發(fā)展。市場(chǎng)空間的廣闊再加上政策支持的力度,使得民間借貸市場(chǎng)魚目混珠,許多不夠規(guī)范的民間借貸機(jī)構(gòu)如雨后春筍般冒了出來,與正規(guī)金融機(jī)構(gòu)形成了抗衡之勢(shì)。 本文首先對(duì)民間借貸的內(nèi)涵進(jìn)行界定,介紹了民間借貸的特征、作用及表現(xiàn)形式,然后把民間借貸這種非正規(guī)金融方式與我國(guó)銀行借貸等正規(guī)金融方式進(jìn)行對(duì)比,通過SWOT分析的方法結(jié)合相關(guān)案例,以及目前蓬勃發(fā)展的小額貸款公司現(xiàn)狀,旨在突出民間借貸的競(jìng)爭(zhēng)力。最后,就制約民間借貸競(jìng)爭(zhēng)力的因素及成因進(jìn)行分析,有針對(duì)性地提出相關(guān)對(duì)策。
[Abstract]:In recent years, with the development of microfinance companies, which is one of the forms of private lending, we all see the wide market space of private finance, and private lending has become the focus of public opinion.Private lending was first found in the developed areas of the South. Before, private lending, which could not be seen to be naked, was put on a legal cloak by the identity of "underground finance", and began to be active in many economically developed cities.People's ideas have also changed, from the color of the talk to embrace.Folk lending plays a more and more important role in the development of economy nowadays, the most important manifestation is to provide the channel of financing for small and medium-sized enterprises, to play an important role in the development of rural economy and to solve the problem of "agriculture, countryside and farmers".For these reasons, the government also began to change the policy of private lending, from the former "block" to "guide", to give strong policy support.It is under this circumstance that the opinions, which are called "36 new terms of non-public economy", have been issued, and the door of the financial industry has opened to the private capital, which has promoted the development of the private capital.The broad market space and the strength of policy support make the private lending market mixed up, many non-standard private lending institutions sprang up like bamboo shoots, and formed a counterbalance with the formal financial institutions.This paper first defines the connotation of folk lending, introduces the characteristics, functions and forms of folk lending, and then compares the informal financial mode of folk lending with the formal financial methods such as bank lending in our country.Through the method of SWOT analysis, combined with the relevant cases, and the current situation of the booming microfinance companies, the purpose of this paper is to highlight the competitiveness of private lending.Finally, the factors and causes of restricting the competitiveness of private lending are analyzed, and relevant countermeasures are put forward.
【學(xué)位授予單位】：南昌大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 方伶俐,李文芳,王雅鵬;淺談我國(guó)農(nóng)村民間借貸[J];安徽農(nóng)業(yè)科學(xué);2005年07期

2 呂偉;;關(guān)于民間非正規(guī)金融的若干分析[J];西華大學(xué)學(xué)報(bào)(哲學(xué)社會(huì)科學(xué)版);2006年01期

3 王鵬濤;民間金融與中小企業(yè)融資[J];財(cái)經(jīng)問題研究;2002年04期

4 林娟;劉莎;;民間金融與正規(guī)金融的比較優(yōu)勢(shì)分析[J];當(dāng)代經(jīng)濟(jì);2006年08期

5 裴天士;;從民間金融組織到正規(guī)金融機(jī)構(gòu)——談臺(tái)灣中小企業(yè)融資之問題[J];東岳論叢;2005年05期

6 王自力;怎樣看待我國(guó)民間金融的發(fā)展問題[J];南方金融;2005年07期

7 鄭澤華;中國(guó)農(nóng)村金融發(fā)展問題研究[J];貴州財(cái)經(jīng)學(xué)院學(xué)報(bào);2004年01期

8 王雙進(jìn);;農(nóng)村民間金融問題研討述評(píng)[J];經(jīng)濟(jì)研究導(dǎo)刊;2009年09期

9 郭斌,劉曼路;民間金融與中小企業(yè)發(fā)展:對(duì)溫州的實(shí)證分析[J];經(jīng)濟(jì)研究;2002年10期

10 林毅夫,孫希芳;信息、非正規(guī)金融與中小企業(yè)融資[J];經(jīng)濟(jì)研究;2005年07期

，

本文編號(hào)：1751328