【摘要】：一般來說,民間融資與縣域經(jīng)濟發(fā)展具有相互促進的關(guān)系,民間融資能夠推動縣域經(jīng)濟的發(fā)展,反過來,縣域經(jīng)濟的發(fā)展又能帶動民間融資的活躍。 目前,和縣經(jīng)濟發(fā)展迅速,農(nóng)業(yè)現(xiàn)代化、產(chǎn)業(yè)集群化水平不斷提高,內(nèi)外需求不斷擴大,金融需求特別是資金的需求正在不斷增加,主要表現(xiàn)為農(nóng)業(yè)產(chǎn)業(yè)化和新型工業(yè)化發(fā)展以及居民消費的資金需求日益旺盛。然而和縣正規(guī)金融機構(gòu)在支持經(jīng)濟發(fā)展過程中還存在許多不足之處,主要表現(xiàn)為：機構(gòu)網(wǎng)點布局不均勻,信貸投放量少,相應(yīng)的金融機構(gòu)體系建設(shè)不具有多元化,結(jié)構(gòu)單一。造成正規(guī)金融機構(gòu)支持乏力的原因較多,主要包括縣域信用環(huán)境建設(shè)不完善、信貸機構(gòu)貸款權(quán)限上收等。 和縣經(jīng)濟發(fā)展除了需要正規(guī)金融機構(gòu)支持外,民問融資也是不可或缺的。民間融資對和縣經(jīng)濟發(fā)展的積極作用主要表現(xiàn)為：緩解了“三農(nóng)”的資金短缺,推動了中小企業(yè)和民營經(jīng)濟的發(fā)展、促進了就業(yè)和增加了農(nóng)民收入,并能夠促使正規(guī)金融機構(gòu)提升經(jīng)營能力。但是,民間融資對和縣經(jīng)濟發(fā)展也產(chǎn)生了一些消極影響,即干擾了和縣經(jīng)濟政策的實施、給社會發(fā)展帶來不穩(wěn)定、減少了財政收入。 民間融資對和縣經(jīng)濟發(fā)展既有積極的一方面也有消極的一方面。由于民問融資是伴隨著經(jīng)濟的發(fā)展而長期存在的,我們不能將其徹底根除,為了更好利用它支持經(jīng)濟發(fā)展,我們有必要對其進行合理的引導(dǎo)和規(guī)范�；诖�,從國家宏觀層面來看,一是通過健全法律法規(guī)明確民間融資的形式、用途與規(guī)模,讓民間融資有法可依；二是監(jiān)管部門正確引導(dǎo),合理監(jiān)管,使民間融資在當(dāng)前環(huán)境下陽光化發(fā)展；三是推進利率市場化,促使經(jīng)濟資源合理配置；四是加強信用環(huán)境建設(shè),增強對企業(yè)的信用評級,并不斷完善個人征信體系建設(shè)；五是通過輿論宣傳工作,提高居民的民間融資風(fēng)險意識,讓居民能夠理性投資,合理配置資源。而立足和縣來看,首先是要加強對民間借貸的監(jiān)測分析,更好地了解當(dāng)?shù)孛耖g融資的融資規(guī)模、融資投向與融資成本,為規(guī)范和引導(dǎo)當(dāng)?shù)孛耖g融資的發(fā)展提供決策參考；其次是要建立民問借貸登記備案制度,推進民間融資的陽光化發(fā)展；最后是要拓寬民間資本的投資渠道,以多樣化的投資方式實現(xiàn)民間資本的優(yōu)化配置。
[Abstract]:Generally speaking, folk financing and county economic development have a mutually promoting relationship, folk financing can promote the development of county economy, on the other hand, the development of county economy can promote the activity of folk financing. At present, with the rapid economic development of Hexian County, the modernization of agriculture, the level of industrial clusters, the expansion of domestic and foreign demand, and the demand for financial resources, especially funds, are constantly increasing. The main performance is the agricultural industrialization and the new industrialization development as well as the resident consumption capital demand is exuberant day by day. However, in the process of supporting the economic development, there are still many deficiencies in the formal financial institutions in Hexian County, which mainly show that the distribution of institutional network is uneven, the amount of credit is less, the corresponding financial institution system is not diversified, and the structure is single. There are many reasons for the lack of support of the formal financial institutions, including the imperfect credit environment in the county area, the loan authority of the credit institutions and so on. In addition to the need for formal financial institutions to support the economic development of the county, public financing is also indispensable. The positive effects of private financing on the economic development of Hexian County are as follows: it alleviates the shortage of funds for agriculture, rural areas and farmers, promotes the development of small and medium-sized enterprises and private economy, promotes employment and increases the income of farmers. And can promote formal financial institutions to enhance their operational capacity. However, folk financing also has some negative effects on the economic development of Hexian County, that is, it interferes with the implementation of economic policy of Hexian County, brings instability to social development and reduces financial revenue. Folk financing has both positive and negative aspects to the economic development of Hexian. Because of the long-term existence of financing with the development of economy, we can not completely eradicate it. In order to make better use of it to support economic development, it is necessary for us to guide and standardize it reasonably. Based on this, from the national macro level, the first is to make clear the form, use and scale of private financing by improving laws and regulations, so that private financing has laws to be followed; Second, the supervision department should guide and supervise reasonably, make the folk financing develop in the sunshine under the current environment, third, promote the marketization of interest rate, promote the rational allocation of economic resources; Fourth, strengthen the construction of credit environment, enhance the credit rating of enterprises, and constantly improve the construction of personal credit system; Fifth, through the propaganda of public opinion, we should raise the residents' awareness of the risk of folk financing, so that the residents can invest rationally and allocate resources rationally. From the point of view of Hexian, first of all, we should strengthen the monitoring and analysis of private lending, better understand the financing scale of local private financing, the financing investment and financing cost, and provide a decision-making reference for standardizing and guiding the development of local private financing. Secondly, it is necessary to establish the registration and record system to promote the sunshine development of private financing; finally, to broaden the investment channels of private capital, and to achieve the optimal allocation of private capital in a variety of investment ways.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F127;F832.35

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