连云港民间借贷问题研究摘要：2005年以来，连云港地区民间借贷发展速度非常快，对地区经济成长起到了积极的作用。调查发现，连云港地区的民间借贷活动大力支持着江苏省中小企业，促进区域产业结构优化，实现经济快速健康发展。但与此同时，民间借贷也暴露出一系列问题。大量的民间资金游离于监管体系之外，带来了巨大的风险增加了社会经济的不稳定性，而且严重影响国家宏观调控政策的实施效果。本文提出的解决连云港民间借贷问题的对策建议是建立在对连云港民间借贷现状分析的基础上，通过对现状的剖析及相关民间金融理论的研究，结合其它专家学者对我国民间借贷市场存在问题的研究，提供解决我国地区民间借贷问题的方案，为连云港民间借贷改革乃至整个国家层面上的金融改革寻找方向。具体来讲，首先分析了连云港民间借贷的特征以及存在的问题，并对问题产生的原因进行了深刻的分析与探讨，并结合原因提出了应对连云港民间借贷问题的对策建议。关键词：连云港民间借贷存在问题解决对策TheStudyonPrivateLendinginLianyungangAbstract:Since2005,privatelendinginLianyunganghasbeendevelopingrapidly,havingapositiveinfluenceontheeconomicgrowthoftheregion.Accordingtoinvestigations,privatelendingactivitiesinLianyunganggreatlysupportthemiddleandsmall-sizedenterprisesinJiangsuprovinceandpromotetheindustrialstructureoptimizationaswellasthehealthyandrapideconomicdevelopmentoftheregion.However,atthesametime,privatelendingalsoleadstoaseriesofproblems.Lotsofprivatecapitalsarenotunderthesupervisionsystem,andhasthusbroughthugerisks.Thisnotonlyincreasestheinstabilityofsocialeconomyandfinancialrisksbutalsoaffectstheimplementationeffectofourcountry’smacro-controlpolicy.ThesuggestionsproposedinthisdissertationtosolvetheprivatelendingproblemsinLianyungangarebasedontheanalysisofthecurrentsituationofprivatelendinginthisregion.Besides,thisdissertationcombinestheresearchesofotherscholarsontheexistingproblemsinprivatelendingmarketofourcountry,providessolutionsfortheseproblems,andseeksfordirectionforthefinancialreformofprivatelendinginLianyungangandeveninthewholecountry.Tobespecific,thedissertationfirstanalyzesthecharacteristicsofprivatelendinginLianyunganganditsexistingproblems,thenfurtherlooksdeeplyintothecausesoftheseproblemsandaccordinglyputsforwardsseveralsuggestionsforthesolutionoftheprivatelendingproblemsinLianyungang.KeyWords:Lianyungang,privatelending,existingproblems,solutions目录一、引言...................................................................................................1（一）研究背景和意义..........................................................................................1（二）国内外相关研究文献综述..........................................................................1（三）主要框架安排..............................................................................................3二、民间借贷的理论分析.......................................................................3（一）民间借贷的基本概念界定..........................................................................3（二）民间借贷研究的理论基础..........................................................................3（三）民间借贷与正规借贷的关系......................................................................4三、连云港地区民间借贷调查分析.......................................................5（一）数据来源......................................................................................................5（二）连云港地区民间借贷特征..........................................
