浅析温州民间借贷危机.docVIP

编号（学号）： 浅析温州民间借贷危机 摘要：在中国经济保持高速增长的今天，中国的中小企业，尤其是民营中小企业出现了一种快速增长的势头。而中国中小企业的发展所需的资本支持有很重要一部分是来源于民间借贷，民间借贷对我国中小企业的发展给予了极大的支持。民间借贷活动在温州大量的私营企业的发展过程当中起到极其重要的作用。自今年4月以来Analysis of Wenzhou private lending crisis Abstract In the Chinese economy keeps growing today, the small and medium enterprise, especially small and medium-sized private enterprises, there was a rapid growth momentum. And the Chinese small and medium-sized enterprise development the needed capital support is very important part of it is from the people borrowing, folk lending to small and medium-sized enterprise development given the enormous support. Folk lending activities in Wenzhou a large number of private enterprise of the development process of play a very important role. The four months since April, Wenzhou happened on business owners run road event, or more or less and folk lending have relationship, this means that folk lending is in trouble, in the last financial tightening policy execution, how to reasonable guiding non-governmental funds for economic development service, has become the urgent matter! This paper by Wenzhou folk lending crisis caused the occurrence of thinking, Wenzhou folk lending crisis analysis of the necessity of the importance of lending, and folk, and then put forward some standard folk lending countermeasures and Suggestions. Key words: Wenzhou folk lending, Small and medium-sized enterprises, Standardized 目录 1.引言 1 2.温州民间借贷危机发生的过程 1 2.1温州民间借贷危机 1 2.2温州民间借贷危机原因及影响 2 3.民间借贷的概念 3 3.1民间借贷的定义 3 3.2民间借贷的特点 3 3.2.1参与主体的广泛性 3 3.2.2资金来源的广泛性 3 3.2.3借贷方式的灵活性 3 3.2.4借贷形式多样化 3 3.2.5借贷期限长期化 4 3.2.6借贷利率市场化 3.3 民间借贷产生的存在的必然性 4 3.3.1信任是合作关系建立的基础 4 3.3.2 人情关系是合作关系建立的纽带 4 3.3.3预期收益是合作关系建立的动力 4 4.温州民间借贷危机的相应对策 5 4.1积极引导民间金融组织 5 4.2加强对民间借贷的规范疏导 5 4.3建立《新型合规民间借贷机构法》 5 4.4建立中小企业信用及担保体系 5 4.5强化金融和法律知识宣传 6 5.结语 6 参 考 文 献 7 致 谢 8 1.引言 民间借贷危机已经发展成为高潮，然而温州民间借贷危机的爆发，再度引起了人们对温州产业的关注，并进而转变为对中国民营企业生存环境的关注。在经济学者来看，“产业资本”与“金融资本”的角逐，折射的是温州经济增长模式面临的真实困境。信贷收紧使得不少资金需求者在银行吃了“闭门羹”转而投入民间借贷的怀抱。正如温州爆发的民间借