温州民间信贷现状分析 VIP专享VIP免费

毕业设计（论文）题目：温州民间信贷现状分析系部：专业：学号：学生姓名：指导教师姓名：指导教师职称：二○一二年五月二十日摘要近年来，民间借贷活动异常活跃，民间借贷问题成为金融界乃至全社会讨论的热门话题。民间借贷对我国社会经济的发展贡献突出，极大地弥补了正规金融的不足，促进了民营企业特别是民营中小企业的发展。然而长期以来，我国一直缺乏民间借贷的专门法律法规对其加以监管及引导，民间借贷活动产生了巨大风险，很大程度上影响了金融市场的稳定。因此，民间金融活动一直受到政府的压制。对民间借贷严格压制、打击的现状，不仅无益发挥金融深化、金融发展对经济发展的促进作用，而且在很大程度上迫使民间借贷长期处于非法边缘，蕴藏了大量的金融风险。民间借贷该何去何从，应该怎样对其监管，成为亟待解决的现实问题。本文通过以温州民间借贷为案例切入问题关键，剖析研究背景和选题意义，并阐述本文的研究方法。从民间借贷的发展现状以及对其监管的必要性出发，结合现实，分析目前温州民间借贷存在的缺陷及其成因，在此基础上提出完善我国民间借贷监管制度的具体建议。关键词：民间借贷；监管；策略AbstractInrecentyears,privatelendingactivitiesunusuallyactive,folkdebitandcreditproblembecomesthefinancialcirclesandeventheentiresociety'shottopic.PrivateloantoChina'ssocialandeconomicdevelopmentmadeoutstandingcontributions,greatlymakeupforthelackofformalfinance,promotedthedevelopmentofprivateenterprisesespeciallysmallandmedium-sizedprivateenterprisesdevelopment.Howeverlong-termsince,ourcountryhasbeenthelackofprivatelendingspeciallawsandregulationsforthesupervisionandguidance,privatelendingactivitygeneratedhugerisk,greatlyinfluencesthestabilityofthefinancialmarkets.Therefore,thefolkfinancialactivitieshasbeenthesubjectofgovernmentrepression.Onfolkdebitandcreditstrictlysuppressed,combatsituation,notonlyprofitlessplayfinancialdeepening,financialdevelopmentroleinpromotingeconomicdevelopment,butalsotoagreatextentforcingborrowinginthelong-termillegaledge,containsalargenumberoffinancialrisks.Borrowingthedecideonwhatpathtofollow,howshouldtheregulation,becomearealproblemthatsolvesurgently.ThisarticlethroughtotheWenzhoufolkdebitentrykeycase,analyzesresearchbackgroundandsignificance,andelaboratedtheresearchmethod.Fromthefolkcreditdevelopmentsituationandinthemonitoringofthenecessity,combinedwiththereality,analyzethepresentWenzhoufolkleaseholddefectsanditscauses,basedonthisproposedconsummatesourcountryfolkcreditsupervisionsystemofspecificrecommendations.Keywords:folkdebitandcredit;supervision;strategy目录1引言.............................................................................................................................12我国民间借贷现状.....................................................................................................13民间借贷的作用及影响.............................................................................................2多隐蔽、少监管，难以实现有效治理.................................................................2高利率、弱规范，民间借贷风险加大.................................................................3多样化、高级化，民间借贷活力增强.................................................................34温州民间借贷存在问题.............................................................................................4冲击了正规金融秩序.............................................................................................4影响了国家宏观调控的执行效果........................................................