我国民间借贷和其监管对策探究.docVIP

我国民间借贷和其监管对策探究 　　摘 要：鄂尔多斯地区民间借贷在近年来发展速度与规模非常快，对地区经济成长与发展起到积极推动作用的同时，其带来的一系列问题也成为人们关注的热点。游离于监管体制外的大量民间资金的存在也严重影响了国家宏观调控政策实施的效果，对地区社会经济稳定和金融安全带来巨大隐患，在分析鄂尔多斯民间借贷特点和形成原因的基础上，针对性提出了推动鄂尔多斯金融稳定健康发展的对策与措施。 关键词：民间借贷；鄂尔多斯；对策；研究 中图分类号：F275.6 文献标识码：A Abstract： In recent years， Ordos’ area folk loan development is rapid， in regional economic growth and development play a positive role at the same time， it brings a series of problems have become the focus of attention. Survey found that Ordos’ area folk loan effectively support the development of small and medium businesses in Ordos， but at the same time， free from outside of the regulation system of the existence of folk capital also seriously affected the national macroeconomic regulation and control policy implementation effect， on the regional social and economic stability and financial security bring great hidden danger. Based on the reasonable definition of folk loan category and its produce development theory is introduced on the basis of the current Ordos’ area folk lending conditions and characteristics， and analysis the cause of Ordos folk lending， and based on this， the comprehensive evaluation of the Ordos’ folk loan of the positive and negative influence， put forward aims to promote the healthy development of the Ordos’ financial stability， the countermeasures and measures. This article will put forward a lot of ways to solve the problems and prompt the economic development of Ordos. Key words： private lending； Ordos； countermeasure； research 改革开放以后，鄂尔多斯市依托本地区得天独厚的地区资源储量的优势，大力推动发展煤炭及其深加工、电力行业、纺织加工行业、化学制品工业等主导性产业，地区经济社会快速提升且发展势头迅猛。在经济总量增大的同时，鄂尔多斯地区民间资本急速累积，富裕人群数量逐渐增大，地区居民可支配收入显著提高，也增加了民间资本的累积，伴随着逐渐增强的居民持有资本“逐利”的愿望，却与投资渠道非常狭窄明显不相适应，大量民间资本流向利润更高的民间借贷行业。来自鄂尔多斯官方的调研数据显示，目前鄂尔多斯地区民间借贷资金的总规模据推算应超过了1 000亿元。但是，据鄂尔多斯当地业内人士的保守估计，鄂尔多斯地区民间借贷资金总规模应该已经超过了2 000亿元[1]。处于“法”与“非法”边缘的如此大规模的民间借贷，势必蕴藏了巨大的金融风险。事实上，2011年间在我国部分地区都相继出现了民间借贷泡沫破灭的事件，民间借贷该何去何从，如何规范、引导和监管民间借贷行为，使之更好地为国民经济发展服务，已成为摆在相关部门面前的一项亟待解决的问题。 1 民间借贷的概念界定