浅析民间融资的问题和对策.docxVIP

内 容 提 要企业是我国实现经济持续性发展的有力保障，其在所形成的经济促进作用是无可替代的。其是否能够正常有序的发展，也决定着我国的经济建设是否能够进一步的提升。从目前的情况来看，一直以来还有问题在制约着企业的发展，尤其是融资问题所产生的副作用最为明显。现如今企业的融资对于民间融资存在着过度的依赖，这种现象不仅造成了企业的发展停滞，同时也不利于我国的经济发展。如何构建完善科学的融资服务体系，也是解决这一问题，保障我国经济持续性发展的重要课题。本文主要是以理论依据和实际过程相结合的方式对企业过度依赖民间融资的实际状况进行了分析，并从中找出了一些问题和不足，继而又根据这些问题的特点，提出了一系列的优化建议和方案，以此来降低民间融资过度发展所带来的危害。?关键词：民间融资 长期权益性资本 借贷手续 监管AbstractEnterprise is an important part of our national economy, plays an important role in the development of Chinas social economy. The healthy development of enterprises is related to the healthy and rapid economic development. However, the development of enterprises in China is still difficult road, especially the financing of enterprises. At present, the enterprise financing there is a serious dependence on the status of private financing, this dependence on the economic development of enterprises there are hazards. How to establish and perfect the enterprise financing service system and eliminate the difficulty of formal financing from the enterprise is an important task to enhance the market competitiveness of Chinese enterprises and ensure the sustained and healthy development of the economy.This paper mainly analyzes the present situation and existing problems of the enterprises relying on the non-governmental financial financing from the theoretical and practical aspects, points out the harm caused by over-reliance on the private financing, puts forward the countermeasures to solve the financing difficulty from the formal channels, alleviates the harm caused by overheating .Key words:Private financingLong - term equityBorrowing proceduresSupervision窗体顶端窗体底端窗体顶端窗体顶端窗体底端目 录一、我国民间融资的现状1（一）融资结构问题突出1（二）非正式金融风险凸现1（三）长期权益性资本缺乏1（四）民间融资的贷款成功率低1（五）商业银行发放的贷款量低2（六）企业初始资本投入不足，资金积累能力较弱2二、我国民间融资存在的问题2(一)法律不完善2(二)民间借贷的手续不完备，并且忽视了交易税收流失问题3(三)民间融资渠道少3(四)民间融资处于灰色地带，监管缺失极易造成风险扩大3(五)隐蔽性较强可诱发民间金融风潮3三、完善我国民间融资的对策建议3(一)制定和完善相关法律，规范民间融资活动3(二)完善民间借贷手续4(三)扩宽融资渠道4(四)加强民间融资监管4(五)提高民间融资透明度，完善民间融资环境4四、结语5参考文献5后记7浅析民间融资的问题和对策一、我国民间融资