温州民间金融市场的发展现状及对策研究应用.docxVIP

温州民间金融市场发展现实状况及对策研究 摘要：民间金融一直处于地下隐蔽活动状态，不少不法分子借着民间借贷旗号，从事非法活动，同时将民间金融和高利贷和非法集资相等同，受到监管当局严格控制，严重影响了民间金融正常发展。所以要正确对待民间金融问题，对其进行引导和规范，纳入国家监管范围之内，使其阳光化、规范化、正当化。多年来，伴随温州民间借贷危机爆发及随即温州金融改革试验区建立，温州民间金融问题再一次成为一个关注话题。这可视为一个契机，去分析研究温州民间金融问题，了解其内在机制和原理，并从中取得现实启示.为温州金融改革提供部分启示性内容。本文以温州民间金融为研究对象，在分析温州金融发展现实状况和存在问题基础之上关键针对温州金融应对策略进行了研究，以期为温州民间金融改革贡献一份力量。 关键字：温州；民间金融；对策 Abstract： Private finance has been active in the underground covert, many criminals through banner private lending, engage in illegal activities, while private finance and loan-sharking and illegal fund equal to the same, subject to strict control of regulatory authorities, seriously affected the normal private finance development. Therefore, to correctly deal with private financial issues, guide and regulate its inclusion within the scope of national regulators to sunlight, standardized and legalized. In recent years, with the outbreak of Wenzhou private lending crisis and the subsequent establishment of Wenzhou financial reform pilot area, Wenzhou private financial issues once again become a topic of concern. This can be seen as an opportunity to analyze the study of Wenzhou private financial issues, to understand its internal mechanisms and principles, and derive the real revelation. Provide some suggestive content Wenzhou financial reform. In this paper, Wenzhou private finance for the study, in the current situation of the development of Wenzhou financial analysis and existing problems of coping strategies focusing on the financial Wenzhou were studied in order to contribute to a private financial reform in Wenzhou. Keywords: Wenzhou; The folk finance; Countermeasures 目 录 TOC \o 1-3 \h \z \u 摘要 2 Abstract. 3 一、引言 1 二、民间金融概念 1 三、温州民间金融发展概况 2 （一）温州民间金融发展历程 2 （二）温州民间金融现实状况 3 （三）温州民间金融发展和存在原因 3 四、温州民间金融市场发展存在问题 3 （一）经营风险高，增加金融市场不稳定性 3 （二）发展不规范，不利于政府宏观调控 4 （三）政策法规制度缺失，监管困难 5 （四）融资性担保企业问题突出，引发经济社会问题 5 （五）新型金融机构支持力度不足 5 五、促进温州民间金融市场发展政策提议 6 （一）建立民间金融市场准入和退出机制 6 （二）健立