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论文编号：	3548
作者编号：	2220090885
上传时间：	2011/10/15 16:29:18
中文题目：	民间资金借贷的发展及风险防范研究
英文题目：	Development Of Private Capital Lending and Its Study of Risk Prevention
指导老师：	张玉利
中文关键字：	关键词：民间资金借贷、中小企业、风险防范
英文关键字：	Key words: Private Capital Lending; Small &Medium Enterprises(SMEs) ,;Risk Prevention
中文摘要：	摘要我国的民间资金借贷有着悠久的历史，在其漫长的发展过程中，既经历过高峰，也有过低谷。在我国建国后的近三十年里，我国的民间资金借贷活动一直都是在我国民间地区自发地开展，但大部分的规模都较小；在20世纪80年代初，随着商品经济的快速发展，我国民间的经济开始呈现活跃势头，民间借贷活动也随之逐渐活跃起来；在80年代后期到90年代初，民间借贷在我国达到了一个鼎盛时期。到了90年代中期以后，由于政府部门进行了一系列的金融体制的深化改革以及加强对金融部门的监管，民间借贷活动活动纷纷转向地下进行，对其发展受到一定程度的抑制。但是，从进入21世纪开始直到现阶段，民间借贷又开始逐步复苏，其发展的规模呈现不断上升的趋势，尤其是东南沿海地区，如闽、浙、粤等地区，其非公有制经济比较发达，其规模和影响都不容忽视。在我国经济高速增长的今天，我国的各中小企业，特别是民营企业即个私营的中小企业呈现出快速增长的势头。由于各种因素，我国的中小企业难以从正规金融机构获得其所需的资金，使企业的发展受到很大影响，而大量闲置的民间资金由于个人因素不敢拿去投资或是没有合适的投资出路，使得社会的资金资源无法得到有效的配置。由于，我国中小企业在国家的社会经济发展中有着及其重要作用，企业的发展问题已然成为我国国民经济发展中的一个战略性问题。我们需要寻求一个全面的解决方案，来解决促进中小企业发展这一复杂问题，其中，企业的融资问题是阻碍企业发展的最为突出的问题。因此，民间借贷越来越受到人们的广泛关注和研究，他们都意识到了规范发展民间借贷的重要性，且在不同场合以多种不同形式提过应该给予民间借贷应有的法律地位。民间借贷犹如一把双刃剑，既能解决中小企业融资难的问题，也能进一步促进国民经济的不断发展；当然，不规范的民间借贷同样也会给社会经济带来很多问题。然而，现今我国民间借贷的发展还有着许多的不成熟之处，因此，本文首先就民间借贷的相关发展情况等进行了详细的阐述，来让我们了解民间资本借贷的存在是有其生存土壤的，最后，提出了一些将民间资金借贷规范化措施，以及防范风险的控制措施。
英文摘要：	Abstract Private capital lending in China has a long history, during its long development stage,it had the peak and also experienced a downturn. In nearly three decades after our country founded, the private lending activities in the areas of civil society has been carried out spontaneously, but most of the scale was small; in the 20th century early 80s, with the development of commodity economy, private economic activity began to show momentum, and the civil lending activities also was increasing acompanily, in the late 80s to early 90s, more and more actives of private lending in China reached a period of prosperity. After the mid-90s, along with the deepening of China's financial reform and the strengthening of financial supervision, private lending activities have turned to underground, the development has been a certain degree of suppression. From into the 21st century and to nowage, the private lending had been gradual recovery, the scale showed into a rising trend, especially in Southeast coastal areas,such as Fujian, Zhejiang,Guangdong etc, non-public economy is relatively developed, local private lending has been a scale and impact without ignored. Today, China's economy has maintained rapid growth, China's Small &Medium Enterprises(SMEs), in particular the private individual and private SMEs which there has been a rapid growth momentum. For various reasons, SMEs is difficult to obtain the necessary funds from the formal financial market, which severely restricts the development, and a large number of private funds cuased by private reasons do not dare to invest or can not find suitable investment ways.SMEs play a important role in China's economic and social development. The development of SMEs, which are the trategic issues in the development of China's national economic, and it also became the most closely connected problems to the sustainable development of SMEs. How to promote the development of SMEs is a complex problem that requires comprehensive solutions. However, the aforementioned problems, the financing is one of the most prominent problem.Many experts and scholars have realized the importance of normative development of private lending, and they also raised the borrowing that should be given due status in different forms on different occasions. Of course, today, the development of private lending place many immature area.Therefore, in this article, firstly, it describes the related development status of private lending, to let know the existence of private capital lending which has its soil to survive. Finally, it proposed a numble of standardized measures for the private capital lending and its control measures to risks prevention.
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