本文選題：溫州民間借貸 + 風(fēng)險(xiǎn)��； 參考：《天津商業(yè)大學(xué)》2013年碩士論文

【摘要】：民營(yíng)經(jīng)濟(jì)發(fā)達(dá)是溫州經(jīng)濟(jì)的一大特色，而民營(yíng)經(jīng)濟(jì)的發(fā)展離不開金融的支持。盡管正規(guī)金融體系在支持民營(yíng)經(jīng)濟(jì)發(fā)展方面發(fā)揮了重要作用，但是許多中小企業(yè)、個(gè)體工商戶由于資信條件、抵押擔(dān)保方面等的劣勢(shì)，很難從正規(guī)金融渠道取得貸款，因此民間借貸成為其必要的補(bǔ)充。溫州的民間借貸全國(guó)有名，如今，正是這些民間資本，使溫州老板們“背井離鄉(xiāng)”。自2011年4月江南皮革董事長(zhǎng)黃鶴失蹤以來(lái)，溫州民企老板跑路事件愈演愈烈，已有近40名老板不知所蹤。僅9月一個(gè)月，就有接近20起，甚至在中秋之夜出現(xiàn)多個(gè)老板集體出逃。 目前，我國(guó)正處于體制轉(zhuǎn)軌、結(jié)構(gòu)調(diào)整和社會(huì)變革的關(guān)鍵時(shí)期，民間借貸在這一時(shí)期蓬勃發(fā)展起來(lái)，其形式多種多樣，由于該領(lǐng)域缺乏相關(guān)的法律法規(guī)以及必要的監(jiān)管措施進(jìn)行規(guī)范，因此，目前我國(guó)的民間借貸存在著諸多的問(wèn)題，給我國(guó)的經(jīng)濟(jì)發(fā)展帶來(lái)了很多的負(fù)面影響，規(guī)范民間借貸勢(shì)在必行。非法的民間借貸會(huì)引發(fā)各種金融風(fēng)險(xiǎn)，放貸人拿不到回款會(huì)產(chǎn)生扣押人質(zhì)、非法拘禁、焚燒住宅等暴力行為，增加社會(huì)的不和諧因素，產(chǎn)生諸多的社會(huì)問(wèn)題。另一方面，，隨著我國(guó)經(jīng)濟(jì)的迅速發(fā)展和國(guó)家對(duì)非公有制經(jīng)濟(jì)的支撐力度逐漸加大，我國(guó)的中小型民營(yíng)企業(yè)如雨后春筍般迅速發(fā)展起來(lái)，但正規(guī)金融機(jī)構(gòu)的放貸偏見加劇了中小型企業(yè)融資難題，從客觀上促進(jìn)了我國(guó)民間借貸的發(fā)展。我國(guó)的民間借貸的發(fā)展彌補(bǔ)了正規(guī)金融機(jī)構(gòu)服務(wù)不充分的弊端，不僅有利于促進(jìn)了我國(guó)正規(guī)金融機(jī)構(gòu)的發(fā)展，而且民間借貸機(jī)構(gòu)通過(guò)為中小型民營(yíng)企業(yè)、三農(nóng)項(xiàng)目以及居民個(gè)人提供融資支持來(lái)促進(jìn)國(guó)民經(jīng)濟(jì)的發(fā)展，因此民間借貸有著廣闊的生存土壤和巨大的發(fā)展空間。綜上所述，我國(guó)民間借貸的發(fā)展面臨著眾多的挑戰(zhàn)，也面臨著前所未有的機(jī)遇。
[Abstract]:The development of private economy is one of the characteristics of Wenzhou economy, and the development of private economy can not be separated from the support of finance. Although the formal financial system has played an important role in supporting the development of the private economy, many small and medium-sized enterprises and individual industrial and commercial households find it difficult to obtain loans from formal financial channels because of the disadvantages of credit conditions, mortgage guarantees, etc. Therefore, private lending has become a necessary supplement. Wenzhou's private lending is famous all over the country, now, it is these private capital, Wenzhou bosses "uprooted". Since the disappearance of Jiangnan Leather Chairman Huang he in April 2011, Wenzhou's private enterprise bosses have gone further and further, with nearly 40 bosses missing. In September alone, there were nearly 20 cases, and even on the night of the Mid-Autumn Festival, a number of bosses fled collectively. At present, China is in a critical period of system transition, structural adjustment and social change, and private lending has flourished during this period. Due to the lack of relevant laws and regulations in this field and the necessary regulatory measures to regulate it, there are many problems in our country's private lending at present, which have brought a lot of negative effects to the economic development of our country. It is imperative to standardize private lending. Illegal private lending can lead to all kinds of financial risks, and the failure of lenders to get back will lead to the taking of hostages, illegal detention, burning homes and other violent acts, increase social disharmony factors, and produce a lot of social problems. On the other hand, with the rapid development of China's economy and the state's support for the non-public sector of the economy, the small and medium-sized private enterprises in our country have sprung up rapidly. However, the lending bias of formal financial institutions has aggravated the financing problems of SMEs and objectively promoted the development of private lending in China. The development of private lending in our country has made up for the shortcomings of inadequate service provided by formal financial institutions, which is not only conducive to promoting the development of formal financial institutions in China, but also helps to promote the development of private enterprises in small and medium-sized enterprises. Three rural projects as well as individual residents provide financing support to promote the development of the national economy, so private lending has a broad survival soil and huge room for development. To sum up, the development of private lending in China is facing many challenges, but also facing unprecedented opportunities.
【學(xué)位授予單位】：天津商業(yè)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

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