民间借贷对我国货币政策的影响分析.doc

本科毕业论文 民间借贷对中国货币政策有效性的影响分析 Analysis on the Influence of Private Lending on China Monetary Policy’s Effectiveness 姓 名 王贞 指导教师 李江平 专业名称 金融学 学 号 1231030206 时 间 2016.04 论文题目：民间借贷对中国货币政策有效性的影响分析 学生姓名：指导教师： 摘 要 为了宏观经济发展的稳定和安全,央行经常使用货币政策工具在经济方面进行宏观调控，同时也使货币政策有效性受到关注。近些年，不但正规金融影响着货币政策，民间借贷的逐步壮大也影响着货币政策。作为独立于正规金融体系之外的一种金融体系，民间借贷成了如今金融市场一股不可忽视的力量，实施货币政策受民间借贷的干扰也不容小视。在我国，民间借贷有多大的发展规模，货币政策的实施受此影响有多大？减少货币政策实施受民间借贷的影响的措施有哪些方法？对上述问题进行了分析。 本论文总共有五个部分,第一部分为导论部分，主要介绍了文章的研究背景与现实指导意义；第二部分对进一步界定了民间借贷的含义；第三部分为影响货币政策有效性的相关理论；第四部分理论上从正反两方面解释了民间借贷对货币政策有效性带来的积极和消极影响；第五部分为总结及建议，采取的具体措施减弱民间借贷对货币政策有效性的影响。 关键词：民间借贷；货币政策有效性；传导渠道 Title: Analysis on the Influence of Private Lending on China Monetary Policy’s Effectiveness Name: Zhen Wang Supervisor: Jiangping Li ABSTRACT In order to secure stability and macroeconomic developments, the central bank monetary policy tools frequently used macro control in economic terms, but also to the effectiveness of monetary policy concern. In recent years, not only the formal financial impact on monetary policy, the gradual growth of private finance also affect monetary policy. As independent from the formal financial system and a financial system, financial markets, private banking has become now a force to be reckoned with, the implementation of monetary policy by the interference of private lending can not be overlooked. In China, the implementation of private lending has affected much of the scale of development, monetary policy, how much? Reduce the monetary policy measures affected the private lending in what ways? The above-mentioned problems are analyzed. In this paper, a total of five parts, the first part is an introduction, mainly introduces the research background and practical significance of the article.The second part further define the meaning of private lending.The third part is the theory of monetary policy effectiveness.The fourth theory explains the positi