民间金融的利率选择与比较优势研究【毕业】.docVIP

本科毕业论文（设计） 论文题目：民间金融的利率选择与比较优势研究 所在学院 专业班级 金融学 学生姓名 学号 指导教师 职称 完成日期 年 月 日 毕业论文独创性声明 本人郑重声明所提交的毕业论文是本人在指导教师的指导下进 行的研究工作及取得的研究成果。除文中特别加以标注的地方外， 论文中不包含他人已经发表的学术成果或者他人为获得高等院校学 位而使用过的材料，论文中不涉及任何知识产权纠纷。否则，本人 将承担一切责任。 学生签名： R 期： 屮小企业融资难的问题一直困扰着温商的投资发展，尽管金融监管当局增 加了对中小企业的信贷支持，商业银行、城市商业银行及股份制银行等金融机 构也加大了对屮小企业放贷的力度，但其实际效果却未能尽如人意。温州“群 体跑路事件”爆发后，民间金融高利率的隐性风险就曝光在我们面前，此时民 间利率的规范化和市场化尤显重要。这不仅能解决中小企业的融资问题，还能 做好正规金融机构的补充作用并促进金融机构改革。 本文基于温州民间金融利率市场化的需要，通过温商“跑路事件”，对温州 民间金融高利率的现状和影响因素做了详细分析。在假定市场风险均衡分布的 前提下，得出了一个简单的定价模型。此外将民间金融与正规金融机构的利率 进行比较，认为民间金融利率更符合市场需求。最后针对模型和比较优势，提 出要制定利率信息公布机制，促使民间金融首先在利率水平上趋同，来实现民 间利率的区域规范化和市场化。 关键词：民间金融利率；利率选择；比较优势 Abstract The financing problem of SME has plagued Wenzhou businessmen^ investment and development, while the financial supervisory authorities to increase credit support for small and medium-sized enterprises, commercial banks, city commercial banks and shareholding banks and other financial institutions also increased pair of SME lending strength, but its effect is not just as one wishes. Wenzhoun group run away incident11 after the outbreak, high interest rate of private finance recessive risk exposure in front of us, at this time the standardization of folk interest rate and market is particularly important. It can not only solve the problem of financing small and medium enterprises, but also do a good job of formal financial institutions in the complementary role and promote the financial institutions reform. This article based on the Wenzhou folk finance interest rate market needs, through Wen businesss” Run away events, Analysis the Wenzhou high interest rate of private finance status and effect factors in detail. On the assumption that the equilibrium distribution of the premise of the market risk, draw a simple pricing model. In addition to the informal finance and formal finance institutions rates were compared, argues that the folk financial interest rate more in line with market demand. According to the model and compare a dominant p