民间借贷问题研究---以神府地区为例.docx

摘要民间借贷在我国有着历史。一方面民间借贷弥补了金融贷款的不足拓宽了中小企业的融资渠道成为正规金融有益补充；另一方面民间借贷游离于国家金融监管之外其自身又具有自发性和隐蔽性潜在的危险十分巨大一旦发生资金断裂往往引起一系列不良反应。近几年随着中国商品经济的发展民间借贷日渐活跃规模也呈上升趋势在我国部分地区民间借贷出现了无序发展引起了社会的不稳定严重影响了经济的稳定和发展。本文在文献整理和实地调查的基础上综合应用规范分析和实证分析等研究方法对神府地区民间借贷问题进行研究。首先介绍选题背景及研究意义并对相关理论进行系统梳理及简评；其次介绍目前我国民间借贷的现状与特征；第三对神府地区民间借贷发展的原因及现状进行分析指出该地区民间借贷的发展既有特定的社会文化背景也是当地经济发展的的必然要求；第四针对神府民间借贷存在的问题理清思路探寻缘由。着重说明神府民间借贷危机对当地经济与社会造成的影响；第五主要是针对当前神府民间借贷存在的问题提出解决对策指出当前我国应完善民间借贷的政府监管通过完善金融服务体系搭建民间资本通往实体经济的“桥梁”。关键词：融资渠道民间借贷民间资本ABSTRACTPrivatelendinginthelonghistoryofchina.Ontheonehandprivatelendingmakeuptheshortageoffinancialloanstobroadenthefinancingchannelsforsmallandmedium-sizedenterprisesbecomeausefulcomplementtotheformalfinancial;ontheotherhandprivatelendingfreefromtheoutsideofthecountry'sfinancialregulatoryitsownisspontaneousandconcealmentpotentiallydangerousenormousfundsintheeventofafaultoftencausedbyaseriesofadversereactions.InrecentyearswiththedevelopmentofcommodityeconomyinChinaprivatelendinghasbecomeincreasinglyactivescaleisalsoontheriseinthefolklendinginsomeregionsofChinaappeareddisorderlydevelopmentandcausedsocialinstabilityseriousimpactontheeconomicstabilityanddevelopment.BasedontheliteraturereviewandfieldsurveythecomprehensiveapplicationofnormativeanalysisandempiricalanalysistostudythefolklendinginShenfuarea.Firstintroducedthebackgroundandsignificanceoftheresearchandsystemreviewandcommentofrelatedtheories;secondlyintroducesthecurrentsituationandthecharacteristicsofChina'sprivatelending;thirdofShenfuregionforthedevelopmentofprivatelendingcausesandstatusquoanalysis.Itispointedoutthatthedevelopmentoffolklendingintheregionisaspecialsocialandculturalbackgroundalsotheinevitabledemandofthedevelopmentofthelocaleconomy;thefourthinviewoftheproblemsexistedinShenfuprivate