当前金融体制改革进程中民间资本对.docVIP

题目：对我国民间融资发展的思考 对我国民间融资发展的思考 摘耍】K间融资是指出资人与受资人之间，在W家法定金融机构之外以取得高额利息 与取得资金使用权并支付约定利息为目的而采用民间借贷、民间票据融资、民间冇价证券融 资和社会集资等形式暂吋改变资金使用权的金融行为。民间金融包括所有米经注册、在央行 控制之外的各种金融形式。其特点是灵活简便、利率弹性大、融资主体多元化。在市场竞争 円益激烈和全球化闩益加剧的今天，世界各国间的联系円益密切。民间资本已经成为中国经 济社会屮无法忽视的重要因素，米来不仅会深刻影响屮国的经济发展模式，而且会对政治体 制产生深远影响，鼓励W间资木和比营经济发展的战略高度将不断提高。木文首先阐述了比 间融资的现状和特点；其次分析了现民间融资的发展作用及存在问题；最后对民间融资存在 的问题提出的对策及建议。木文认为，民间融资现已成为社会资金融通的重要组成部分，面对 段间融资蓬勃发展的势头，以前我们一句采取“堵”的方式，可事实证明，比间融资宜“疏” 不宜“堵”。鼓励地方政府、金融机构进行改革创新，优化社会主义市场环境，为民间融资 的发展建立长效发展机制，才是解决之道。推动民间融资，鼓励民间金融规范化、阳光化运作， 满足W营市场的融资需求，对丁?中国的金融业尤其是银行业来说，发展K间融资是一个重大 的突破和推动。 关键词】比间资木；金融改革；商业银行 Financing for the Development of Chinese folk [Abstract] Private financing is that the capital funding between man and subject, in addition to national statutory financial institutions with high interest rates to get the right to use and obtain funding to pay the agreed interest for the purpose of using the private lending, private bill financing, civil securities financing and social changes in fund-raising and other forms of temporary right to use capital financial behavior. Including all unregistered private finance, the central bank outside the control of the various forms of finance. It features flexible and convenient, interest rate flexibility, diversification of financing. In an increasingly competitive market and the increasing globalization of today’s world increasingly close ties between countries. Private capital has become China’s economy and society can not ignore the important factors in the future will not only profoundly affect Chinas economic development model，and would have a profound impact on the political system, to encourage private capital and private economic development strategic level will continue to increase. This paper describes the status and characteristics of private financing; secondly analyzes the development of the role of private financing now and problems; Finally, the problems raised private financing countermeasures and suggestions. This paper a