民间借贷市场的金融监管研究——以温州为例-公共管理专业毕业论文.docx

PAGE PAGE VI 摘要 随着民营经济的快速发展，温州正在成为中国市场经济的缩影且逐步成长为 民间借贷市场的先驱。从温州民间借贷历史来看，改革开放以来的民间借贷与民 营经济发展一直是相辅相成的，但随着温州劳动力成本提高、人口红利和制度红 利逐渐消失、土地资源价格上涨、企业没有做好产业转型升级，同时在政府失灵 和部分行业国进民退的背景下，温州民间资本参与到投机活动中，最终引发区域 经济危机。本文采集了 1980 年到 2013 的民间借贷利率数据和银行贷款利率数据， 分析二者之间相关的专业性和复杂性。通过对温州民间借贷市场的现状、问题和 原因分析等研究提出金融监管的政策和措施，以使民间借贷市场和金融市场能够 互补，促进经济的可持续健康发展。 关键字：民间借贷 借贷利率 民营经济 金融机构 金融监管 Abstract With the rapid private economical development, Wenzhou is becoming a microcosm of China’s market economy and a pioneer of private lending market. Seen from the private lending historical perspective, private lending since the reform and opening up is complementary to each other; but as Wenzhou’s labor costs increased, the demographic dividend and system bonus gradually disappear, land prices keep climbing, and enterprises do not have a good industrial transformation and upgrading. At the same time, at the background of government failure and Guo Jin Min Tui background, Wenzhou private capital participated to speculation, eventually led to the region economic crisis. This paper collected the data including private lending rate and bank lending rate that is from 1980 to 2013, providing the analysis of mutuality, specialty and complexity. Through the study of Wenzhou private lending market present situation, problems and causes analysis of proposed policies and measures of financial regulation, in order to make private lending market and financial market can complement with each other, promoting the sustainable and healthy development economy. Key Words: private lending lending rate private economy financial institution financial supervision I I 目录 第 1 章 绪论 1 1.1 研究背景与意义1 1.1.1 研究背景1 1.1.2 研究意义1 1.2 文献综述2 1.2.1 国外文献综述2 1.2.2 国内文献综述3 1.2.3 文献评述4 1.3 研究方法与可行性分析4 1.3.1 研究方法4 1.3.2 可行性分析4 1.4 创新点与难点5 1.4.1 创新点5 1.4.2 难点5 第 2 章 民间借贷市场6 2.1 民间借贷6 2.1.1 民间借贷的概念6 2.1.2 民间借贷的分类6 2.1.3 民间借贷和银行贷款的比较7 2.2 温州民间借贷市场8 2.2.1 温州民间借贷市场的现状8 2.2.2 温州民间借贷规模8 2.2.3 温州民间借贷利率9 2.