中国发展民间融资的利弊分析.doc

中国发展民间融资的利弊分析 摘 要：随着我国经济的蓬勃发展，我国的民营经济得到了很大的发展，中小企业的融资需求也不断加强，民间融资应运而生。民间融资一方面具有具有引导效应和约束力，能适应各种融资需求的灵活性，有助于节约交易成本，有助于克服信息不对称难题；另一方面民间融资影响着国家的宏观调控，可能导致投机，还会干扰金融市场的秩序，不利于监管，缺乏法律法规的保障、不利于社会的和谐与稳定。 本次论文是对中国发展民间融资的利弊进行研究。本次论文首先对民间融资及其管制进行了概述；其次介绍了中国民间融资的发展历程，并分析了中国民间融资的现状；再次通过与正规金融机构融资进行比较，得出了民间融资的有利方面和不利方面，并通过一系列方法解决不利方面产生的问题。本次论文的研究将有利于解决民间融资难问题；有利于社会稳定和保证充分就业。在推动我国经济的发展，加快社会主义和谐社会构建方面也具有重要意义。 关键词：民间融资，发展，利弊 Analysis of the advantages and disadvantages of China developing folk financing Abstract: Along with our country economy vigorous development, the development of folk economy of China will be a great prospect, the financing needs of SMEs have been strengthened, folk financing was borned. On the one hand the folk finance has a guiding effect and binding, be able to adapt to a variety of financing needs for flexibility, will be helpful in saves the transaction cost, contribute to overcoming information asymmetry problems. On the other hand, folk financing is affecting the national macroeconomic regulation and control, possibly causes congenially, also can interfere with the order of the financial market, against regulation, lack of legal protection of the laws and regulations, detrimental to social harmony and stability. Because there are many private financing of benefits, Chinas real-time in which to relax in the private sector control. This topic is the research which carries on to the Chinese relaxation folk financing control advantages analysis.First, has carried on the outline to folk financing and the control;next introduced the Chinese folk financing control development course, and has analyzed the Chinese folk financing control present situation; again, with the formal financial institutions to compare financing, drawn from the private financing of positive and negative aspects, and through a series of methods to solve problems arising from adverse. Through this research topic will be of benefit to resolve the difficulty in financing private economic probl