研究民间借贷问题探讨.doc

　　研究民间借贷问题探讨 民间借贷理由论文导读：本论文是一篇关于民间借贷理由的优秀论文范文,对正在写有关于借贷论文的写有一定的参考和指导作用,andfinancialsupervisingandmanagingstrengtheningnongovernmentalcreditactivityturnstounderground,anditsdevelopmentreceivesacertainrestraining．Fromenteringthe21stcenturytothepresentstage，thenongovernmentaldebitandcreditstartstorecover,itsscaleunceasinglyrises．Inthe 摘 要 　　民间借贷在中国有着悠久的历史，在其漫长的发展阶段中，既有过高峰，又经历过低谷。在建国后的30年里，民间借贷活动在我国民间地区一直是自发的开展，但规模不大；20世纪80年代初，随着中国商品经济的发展，民间经济开始呈现活跃势头，民间借贷活动也随之活跃起来；80年代后期至90年代初期，民间借贷越发活跃，在中国达到繁荣时期。90年代中期，随着中国金融改革的加深和金融监管的加强，民间借贷纷纷转向地下，其发展受到一定的限制。进入21世纪尤其是近几年民间借贷又逐渐复苏，其规模呈现出上升的趋势。尤其是江苏、浙江、福建、广东等沿海地区，非公有制经济较为发达，当地的民间借贷已经有了不容忽视的规模和影响力。 　　本文将通过个案研究法，对民间借贷中出现的具体案例，分析出民间借贷对我国经济产生问题和影响以及通过这些具体的案例分析出如何促进民间借贷规范化能更好的推动中国经济的进一步发展。关键词：民间借贷；现状；问题；建议和对策 Abstract 　　The governmental debit and credit in our country has long history，it has had the peak,and also has experienced the trough in its development-phase．More than 30 years after the founding of our nation,the nongovernmental debit and credit activity spontaneously develops in fom area,but its scale is not large,At the beginning of 1980s，along ent of national economy,the nongovernmental debit and credit presents the active tendency．From the 80s later pe-dod to 90s early period, the nongovernmental debit and credit gets even more actively,and has achieved a prosperous time in our country．After mid 90s,along deepening and financial supervising and managing strengthening nongovernmental credit activity turns to underground,and its development receives a certain restraining．From entering the 21st century to the present stage，the nongovernmental debit and credit starts to recover,its scale unceasingly rises．In the coastal province such as Jiang su Zhejiang Fujian Guangdong and so on,y develops very ental credit already had non-neglectable scaldhead influence． 　　The nongovernmental debit and credit like a double-edged sental debit and credit drifts a,and cannot be attached the importance to by the official department,in addition，the n