我国中小企业民间借贷融资现状调查研究精品.doc

我国中小企业民间借贷融资现状调查研究 母天舒 指导教师　罗正英 摘　要：经过多年的发展，我国中小企业融资问题仍然十分严峻，现有的正规金融满足不了中小企业的融资需求。在这种情况下，民间借贷就得到了必然的发展。民间借贷作为正规金融的有效互补，有着正规金融不可比拟的优势。然而，在民间借贷有效缓解中小企业融资难问题的同时，民间借贷的弊端也不得不引起人们的重视。由于民间借贷的高利率以及监管难度，使得民间借贷经常与洗钱、地下赌庄、黑社会联系起来。2011年，温州频发企业老板跑路事件 关键词：中小企业；民间借贷；正规金融；小额贷款 Abstract：After years of development, financing problems of SMEs in China is still very serious. The existing formal finance cannot meet the financing needs of SMEs. In this case, private lending is developing necessarily. As an effective complement of formal finance, private lending has incomparable advantages. However, when private lending effectively alleviates the problem of financing of small and medium enterprises, the disadvantages of private lending also have attracted attention. On account of the high interest rates of private lending and regulatory difficulty, private lending is often associated with money laundering, underground gambling village and underworld. In 2011, the “Running Away Events” in Wenzhou have triggered another round of thinking about private lending. This essay, using the “Running Away Events” in Wenzhou as a lead-in, combined with the situation of Suzhou, analyzes the characteristics and problems of SME financing and the advantages and disadvantages of private lending, and gives some suggestions. In the course of the study, although there are many shortcomings, I hope to give some idea about private lending and SME financing. Keywords: Small and medium-sized Enterprise (SMEs); Private Lending; Formal Finance; Small Loans 引　言 2011年企业老板跑路事件4月份开始，跑路事件明显位于温州龙湾区的江南皮革有限公司董事长黄鹤失踪；温州波特曼咖啡因经营不善，企业主向民间借入高息资金，最终导致资金链断裂出走；位于乐清的三旗集团董事长陈福财，因为资金链出现困境、企业互保出现问题出走。6月份，温州铁通电器合金实业有限公司的股东之一范某出走，估计涉及上千万元民间借贷；位于乐清的浙江天石电子公司老板叶某出走7月份，位于温州龙湾区海滨街道的巨邦鞋业有限公司老板王某出走，据传其参股一家担保公司，涉及资金约1亿元。进入8月份，跑路事件。根据已经公开被证实的信息显示，位于温州瓯海区的锦潮电器有限公司老板戴某失踪；位于温州鹿城区的耐当劳鞋材有限公司宣布停工，传言老板戴某因欠巨债潜逃。 “跑路事件”中的企业都是中小企业，中小企业是国民经济和社会发展的重要力量，也是转变经济发展方式，实现科学发展的重要基础。据统计，截止2007年，我国中小企业数量已达4200万家，创造的最终产品与服务价值占GDP的比重为58.5%，如创造的最终产品与服务价值占GDP的比重 2004 2