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浅谈中国民间借贷发展现实状况及出路
——关键以西安为例，以小见大
学校：西安工业大学
学号：
姓名：高姗姗
目录：
摘要··········································································2
绪论··········································································2
一·相关民间借贷研究背景及意义··············································2
二·文件综述··································································2
（一）相关民间民间信贷定义···················································2
（二）相关中国民间信贷发展和现实状况·············································2
（三）相关对中国民间信贷思索·················································3
（四）相关中国民间信贷监管机制···············································3
三·相关民间借贷现象和举例··················································3
中小型企业融资困难，借贷供小于求·········································3
西安城中村民间借贷投资等皮包企业泛滥成灾·································3
中介机构也在民间借贷活动中越来越活跃·····································3
西安高校学生民间借贷纷繁复杂、真假难辨···································4
西安在“一带一路”中迎来了新机遇和挑战·································4
四·相关民间借贷乱象原因简析················································4
（一）物价连续上涨，贫富差距不停拉大···········································4
（二）民间借贷利率不停攀升···················································4
（三）民间借贷仅靠民间信用来维系···············································4
（四）民间借贷监管缺失·······················································4
五·民间借贷对中国经济发展影响··············································4
（一）民间信贷对经济发展促进作用·············································5
（1）民间信贷和正规金融机构信贷之间存在互补性······························5
（2）民间信贷促进金融和经济发展··········································5
（二）民间信贷对经济发展不利影响·············································5
（1）干扰正常金融秩序····················································5
（2）极易引发经济和法律纠纷················································5
六·相关民间借贷健康发展·····················································5
（一）确立中国民间信贷正当地位，加紧民间信贷立法进程···························5
（二）建立完善民间信贷体系···················································5
（三）规范民间信贷利率范围，遏止民间信贷中“高利贷”行为·········
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