浅谈我国民间借贷发展现状及出路.doc

浅谈我国民间借贷发展现状及出路 ——主要以西安为例，以小见大 学校：西安工业大学 学号：14050519113 姓名：高姗姗 目录： 摘要··········································································2 绪论··········································································2 一·关于民间借贷的研究背景及意义··············································2 二·文献综述··································································2 （一）关于民间民间信贷的定义···················································2 （二）关于我国民间信贷的发展与现状·············································2 （三）关于对我国民间信贷的思考·················································3 （四）关于我国民间信贷的监管机制···············································3 三·关于民间借贷现象以及举例··················································3 中小型企业融资困难，借贷供小于求·········································3 西安城中村民间借贷投资等皮包公司泛滥成灾·································3 中介机构也在民间借贷活动中越来越活跃·····································3 西安高校学生民间借贷纷繁复杂、真假难辨···································4 西安在“一带一路”中迎来了新的机遇与挑战·································4 四·关于民间借贷乱象的原因简析················································4 （一）物价持续上涨，贫富差距不断拉大···········································4 （二）民间借贷的利率不断攀升···················································4 （三）民间借贷仅靠民间信用来维系···············································4 （四）民间借贷的监管缺失·······················································4 五·民间借贷对我国经济发展的影响··············································4 （一）民间信贷对经济发展的促进作用·············································5 （1）民间信贷与正规金融机构信贷之间存在互补性······························5 （2）民间信贷促进金融和经济的发展··········································5 （二）民间信贷对经济发展的不利影响·············································5 （1）干扰正常的金融秩序····················································5 （2）极易引发经济和法律纠纷················································5 六·关于民间借贷健康发展·····················································5 （一）确立我国民间信贷合法地位，加快民间信贷立法进程···························5 （二）建立完善的民间信贷体系···················································5 （三）规范民间信贷的利率范