民间借贷支持中小企业发展研究---以温州为例.docVIP

桂林理工大学博文管理学院毕业设计·论文 PAGE PAGE IV 摘要 温州是“中国制造”最亮丽的标签。近一个时期以来，由于民间信贷危机导致当地一些企业家纷纷“跑路”，随机引发人们对温州究竟是否出现“倒闭潮”的质疑和争议，继而又引发出全社会对数量庞大的全国中小企业命运的关注。经过多年市场经济发展，现代经融体系得到了很大的完善。同时，没有那种正规的经融体质能完全满足金融市场的所有需求。在投资渠道狭窄的情况下，部分有富余闲置资金的自然人或企业急需寻求资金出路。在这种情况下，民间借贷成为满足供求双方的必然选择。多年的经济发展过程中，民间借贷成为中小企业融资的重要来源。民间借贷存在着一些自身无法克服的弱点，政府难以管理和不法分子利用，这些往往成为政府管制和取缔民间金融的理由。民间借贷尽管有一定的弊端，但其在活跃金融市场，合理配置资源，促进经济发展等方面起到一定的作用，是正规金融的有益补充。本文以完善民间借贷体质，促进中小企业发展为研究出发点，具有一定的现实意义。 关键字：中小企业；民间金融；温州 A Research on Private Lending and the SMEs Financing Student:TIAN Yuan Teacher:WANG ruochen Abstract：After years of market economic development,the modern financial system has been greatly improved.At the same time,there is no formal financial System which can fully meet all the needs of the financial markets.Chinas current financial system decided not to meet all the financing needs of SMEs. In the case of investment channels,some have surplus or idle funds of the natural resources companies need to find way out.There are some private lending can not overcome their own weakness,such as government difficult to manage,easy to by unscrupulous elements,such as weak anti-risk ability,they tend to be government regulation,banning private financial reasons.Borrowing despite some shortcomings,but its financial market in the active,rational allocation of resources,promoting economic development has played a certain role,is a useful complement to formal finance.When borrowing in promoting the role of economic only to study its development,the domestic borrowing of late date. Key words：private lending;small-and-medium-sized enterprises; wen zhou 目次 TOC \o 1-3 \h \z \u 摘要 I Abstract II 引言 1 一、温州市中小企业发展现状 2 二、温州中小企业信贷的现状 3 （一）中小企业融资特点…………………………………4 1.中小企业融资渠道多样4 2.个人信用影响突出……………………………………………………4 3.融资方式灵活多样化……………………………………………………4 （二）中小企业融资难问题……………………………………………………5 （三） 民间借贷对中小企业融资影响现状………………………… 4 三、温州民间借贷的发展对中小企业融资的作用 6 （一）民间借贷发展对中小企业融资的积极作用……………………