I广州省民间借贷的风险防范问题研究摘要随着国家政策的不断改进和完善，对我国三农问题的重视程度越来越高，但对民间借贷的扶持力度并没有投入太高的热情，民间借贷正面临着严重的发展考验。民间借贷的利润来源较为单一，资产规模不大，每增加一笔贷款就潜在增加一份风险，而且民间借贷所要面临的对象和服务对象都比较特殊，所以造成了它与其他商业性质的银行在很大程度上存在差异。民间借贷是农村金融机构的主力军。国有民间借贷大规模撤离县及县以下基层机构，目前仍在农村开展业务的国有银行分支机构寥寥无几。随着国有民间借贷从县域基层以下撤退，民间借贷成为分支机构最多的农村正规金融机构、也是农村正规金融机构中唯一与农业农户有直接业务往来的金融机构。社会经济的快速发展，促使了一些金融银行机构节奏加快，尤其是对于利润来源比较单一的民间借贷来讲，要求要跟上时代的步伐，加速自身发展。关键词：民间借贷；风险；防范GuangzhouprovincefolklendingIIriskpreventionresearchAbstractWiththenationalpolicyofcontinuousimprovementandimprove,moreandmoreemphasisonagriculture,ruralareasandfarmersproblemsinChinaishigh,butinprivatelendingsupportandnotputtoomuchenthusiasm,thedevelopmentofthefolklendingisfacingaseveretest.Privatelendingsourceofprofitisrelativelysingle,assetsizeisnotlarge,eachadditionalloanswillincreasetheriskofapotential,andinformallendingfacingobjectandtheserviceobjectisspecial,socauseditandothercommercialBankstoagreatextent,therearedifferences.Privatelendingisthemainforceofruralfinancialinstitutions.State-ownedcommercialBanksmassevacuationcountyandthecountythefollowinginstitutionsatthegrassrootslevelisstilldoingbusinessintheruralareashavefewstate-ownedbankbranches.Withstate-ownedcommercialBankswithdrawfrombelowthecountyatthegrass-rootslevel,thefolklendingruralformalfinancialinstitutionstothetopofthebranch,isalsotheonlyruralformalfinancialinstitutionsandagriculturalfarmershavedirectbusinesswithfinancialinstitutions.Therapiddevelopmentofsocialeconomy,speedupthepaceofpromptedsomefinancialinstitutions,especiallyforprofitstocomparesinglefolklending,requesttokeepupwiththepaceofTheTimes,toacceleratetheirowndevelopment.Keywords:Privatelending;Risk;Toguardagainst目录IIIAbstract................................................................................................................................................................II一前言..............................................................................................................................................................1二广州省民间借贷现状分析...........................................................................................................................1（一）民间借贷产生的原因.......................................................................................................................11）、银行利率过低............................................................................................................................1（2）、投资方向过少.........................................................................................................................2（二）民间借贷存在的风险分析...............................................................................................................22.1系统风险................................................................................................................................................22.2非系统风险....................................................................
