我国民间融资的效应分析.doc

我国民间融资的效应分析

目录
目录 1
摘要 I
Abstract II
第一章 前言 1
第一节 研究背景 1
第二节  民间融资概述 1
第二章 我国民间融资发展现状 3
第三章 我国民间融资发展中的主要问题 5
第四章 我国民间融资的效应分析 7
第一节 民间融资的正面效应分析 7
第二节 民间融资的负面效应分析 8
第五章 我国民间融资现状的解决对策 10
第六章 总结 12
致谢 13
参考文献 14
相关译文 15
正规与非正规金融：来自中国的证据 15
英文原文 18
Formal versus Informal Finance:Evidence from China 18

 
我国民间融资的效应分析
摘要
 民间融资是指出资人与受资人之间，在国家法定金融机构之外，以取得高额利息与取得资金使用权并支付约定利息为目的而采用民间借贷、民间票据融资、民间有价证券融资和社会集资等形式暂时改变资金使用权的金融行为, 是国家法定金融机构投融资的有效补充。民间融资具有灵活简便、利率弹性大、融资主体多元化等特征。民间融资活动对于调剂社会资金余缺、优化金融资金配置、促进区域经济协调发展起到了积极作用，但同时对货币政策目标实现、地区金融稳定、正常经济社会秩序产生了一定的负面影响。近年来民间融资活动日益发达，本文通过对民间融资现状的研究，来对其融资效用进行分析，发现其中优劣之处，并对不好的方面提出解决对策。
关键词：民间    融资    利息   效用    借贷    金融     票据    资金

Abstract
Non-government financing refers to the financial activities which could exchange the right to use the fund between investors and recipient. Non-government is beyond the scope of national legal financial institutions and it aims at achieving crippling interest and the right  to use the fund. Non-government lending, non-government bills financing, non-government securities and social funds are four common forms of non-government financing, Non-government is also an effective complement to national statutory financial, institutions investment and financing.  Non-government financing is a flexible financial activity with elastic inserest rate and diversified investor .Non-government financing plays a positive role in adjusting the additional ballots, optimizing the allocation of financial capital and promopting the coordinated development of regional ecomnomy. However, it also has some  negative impacts on the achieving of monetary policy, stability of regional financial and the maintenance of social order. In recent years the activities of Non-govermant financing is increasingly developed this paper,the status quo of Non-govermant financing to financing utility analysis found the advantages and disadvantages of it,and raise some measures to deal with these problems.
Keywords： Non-government    financing   interest     utility   lending  financial    bills    funds