民间信贷的出路研究

民间信贷的出路研究(论文23000字)
摘要
民间信贷在我国有着悠久的历史，在其漫长的发展阶段之中，既有过高峰，也经历过低谷。民间信贷如同一把双刃剑。一方面，民间信贷游离于官方金融体制之外，长期以来，得不到官方部门的重视，加上民间信贷具有自发性，缺乏外部约束，一旦发生资金链断裂等事故，往往会引发连锁不良反应，严重时会危害社会安定，因而具有很大风险，是官方重点的管制对象。但另一方面，民间信贷确实对我国的经济发展，特别是对民营企业与中小企业的成长和发展、对农户的生产经营等民间经济的发展起到了相当大的促进作用。因此，我们必须深刻认识民间信贷的双刃性，以法律形式明确其在我国金融体系中应有的地位，引导和规范发展其有利于经济和社会的方面，消除其负面影响，从而更好地推动中国经济的进一步发展。
本文主要对我国民间信贷的现状进行分析，并针对我国民间信贷的发展特点提出了具体的发展对策及措施。本文共分五章进行论述。
第一章的内容是分析我国民间信贷的现状，包括民间信贷的概念、民间信贷与正规信贷的关系、民间信贷的特征和规模。第二章分别从社会学和经济学的角度分析了我国民间信贷存在的合理性。 第三章分析了民间信贷对中国经济的影响和民间信贷进一步良性发展存在的障碍。第四章是民间信贷存在的问题及成因分析。第五章针对如何规范发展我国民间信贷而提出的对策建议。
民间信贷从某种意义上有助于我国经济的可持续发展，我们必须重视并通过有效手段使其健康发展。

关键词：民间信贷 正规信贷 规范发展 

Abstract
   The nogovernmental credit in our country has long history，it has had the peak,and also has experienced the trough in its development phase．The nongovernmental credit like a double-edged sword．On the one hand,the nongovernmental credit drifts away outside the official financial system．And can not be attached the importance to by the official department,in addition，the nongovernmental credit has its spontaneity and lacks exterior restraint,its potential risk is very large．But on the other hand,the nongovernmental credit has truly made large contribution to our country’S economical development，specially to the nonpubHc-owned economy．Therefore，we must profoundly realize the double edge of the nongovernmental credit,make its status clear which should be in our country's finance system,well develops its advantage，eliminates its adverse effect,and thus impels the C“flinese economy better and better．
   In this paper,the status of nogovernmental credit were analyzed,and the characteristics of private credit for the development of proposed specific measures and measures for development.This paper divides five chapters to carry on．
   The first chapter analyzes the present situation of nongovernmental credit in our country，including its concept,the character，the scale and the influence to Chinese economy．The second chapter analyzed the relations between nongovernmental credit and governmental credit：competes and supplement each other． The third chapter has analyzed the reason of nongovernmental credit separately from the economic and the sociological angle．The fourth chapter analyzed the problems of nongovernmental credit and reaseons of the problems for nongovernmental credit.  The fifth chapter presents Some suggestion how to regulate and well develop the nongovernmental credit in future．
   Nongovernmental from a sense that contribute to sustainable development of our economy,we must pay attention to their health and development through effective means.

Key Word：nongovernmental credit,governmental credit, standardization and development

目录
第一章 我国民间信贷的现状    2
一、民间信贷的概念    2
二、民间信贷与正规信贷的关系    2
三、民间信贷的特征    2
四、民间信贷的规模    3
第二章 民间信贷存在的合理性    4
一、从社会学角度探究民间信贷存在的合理性    4
二、从经济学角度探究民间信贷存在的合理性    4
（一）民间信贷的供求分析    4
（二）民问信贷机制的供求分析    7
第三章 民间信贷对中国经济的影响及其发展障碍    9
一、民间信贷对中国经济的影响    9
二、阻碍民间信贷发展的因素    11
第四章 民间信贷问题及成因分析    13
一、民间信贷存在的问题    13
二、民间信贷问题的成因    13
第五章 民间信贷的出路及对策    15
一、规范性原则    15
二、具体对策建议    15
 (一）在法律上合理明确地定位民间信贷    15
（二）建立规范的民间信贷监管制度    16
（三）多样化地解决民间信贷出路    16
（四）同步进行相关配套改革    18
结论    21
参考文献    22
致谢    23