温州民间借贷危机现状及现行对策分析.doc
约16页DOC格式手机打开展开
温州民间借贷危机现状及现行对策分析,摘 要：近年来，有关温州民间借贷崩盘的新闻成为全社会关注的焦点，缺乏有力的监管制度和明确的法律保护，民间借贷利率过高，企业抗风险能力差，企业家的非理性投资，都给当地乃至全国的金融业造成了不良影响。本文通过介绍温州民间借贷危机的现状、特点以及影响，分析应对温州民间借贷危机可采取的对策建议...
内容介绍
此文档由会员 qs_ahlupe 发布
温州民间借贷危机现状及现行对策分析
摘 要：近年来，有关温州民间借贷崩盘的新闻成为全社会关注的焦点，缺乏有力的监管制度和明确的法律保护，民间借贷利率过高，企业抗风险能力差，企业家的非理性投资，都给当地乃至全国的金融业造成了不良影响。本文通过介绍温州民间借贷危机的现状、特点以及影响，分析应对温州民间借贷危机可采取的对策建议，并结合具体实例归纳出温州民间借贷危机影响国家利率、信贷政策的实施，助长高利贷存在，干扰金融秩序，加重企业负担，导致资金使用恶性循环，债务纠纷，影响社会安定等不良影响；最后根据理论分析和实证分析的结果提出对政府应加大金融监管力度，维护正常的金融秩序；加大对民间借贷的引导、规范和管理等建议。
关键词：民间借贷；温州；借贷危机；金融改革
Wenzhou folk lending crisis situation and the countermeasure analysis
，Major in International Economics and Business, Institute Of Modern Service
Abstract: In recent years, the wenzhou private lending crash news has become the focus of the whole society,the lack of effective supervision system and clear legal protection,folk lending rate is too high, enterprise anti-risk ability is poot,the irrational investment,entrepreneur to wenzhou and the development of China’s economic and social stability caused the bad influence.In this paper，through the introduction of the status, characteristics of wenzhou folk lending crisis as well as the impact, analysis to the wenzhou private lending crisis may take countermeasures, and combined with concrete example is given to induce the wenzhou private lending crisis affect the implementation of the national interest rate, credit policy, encourage usury, disrupting the financial system, increase enterprise burden, cause money using a vicious cycle, the debet disputes, affect social stability and other adverse effects; finally, according to the results of theoretical analysis and empirical analysis of the government should increase the intensity of financial rgulation, maintain the normal financial order; increase in private borrowing guide,specification and management suggestions.
Key words: Green barriers; CAC; Food safety standards; Positive list system
目 录
一、引言 1
二、民间借贷概念概述 1
三、温州民间借贷危机现状 2
（一）监管缺乏乱象横生 2
（二）资金规模扩张利率奇高风险失控 3
四、温州民间借贷危机产生的影响 3
（一）影响国家利率、信贷政策的实施 3
（二）助长高利贷存在，干扰金融秩序 4
（三）债务纠纷，影响社会安定 5
五、温州民间借贷危机产生的原因 5
（一）缺乏有力的监管制度和明确的法律保障 5
（二）民间借贷利率过高 7
（三）企业抗风险能力差 7
（四）企业家非理性的投资 8
六、典型案例分析 8
（一）信泰集团 8
（二）三旗集团 9
七、应对温州民间借贷危机可采取的对策建议 9
（一）国家层面：完善宏观调控，加快各项改革进程 9
（二）企业层面：完善经营体制，增强活力 10
（三）个人层面：吸取经验教训，脚踏实地 11
参考文献 12
摘 要：近年来，有关温州民间借贷崩盘的新闻成为全社会关注的焦点，缺乏有力的监管制度和明确的法律保护，民间借贷利率过高，企业抗风险能力差，企业家的非理性投资，都给当地乃至全国的金融业造成了不良影响。本文通过介绍温州民间借贷危机的现状、特点以及影响，分析应对温州民间借贷危机可采取的对策建议，并结合具体实例归纳出温州民间借贷危机影响国家利率、信贷政策的实施，助长高利贷存在，干扰金融秩序，加重企业负担，导致资金使用恶性循环，债务纠纷，影响社会安定等不良影响；最后根据理论分析和实证分析的结果提出对政府应加大金融监管力度，维护正常的金融秩序；加大对民间借贷的引导、规范和管理等建议。
关键词：民间借贷；温州；借贷危机；金融改革
Wenzhou folk lending crisis situation and the countermeasure analysis
，Major in International Economics and Business, Institute Of Modern Service
Abstract: In recent years, the wenzhou private lending crash news has become the focus of the whole society,the lack of effective supervision system and clear legal protection,folk lending rate is too high, enterprise anti-risk ability is poot,the irrational investment,entrepreneur to wenzhou and the development of China’s economic and social stability caused the bad influence.In this paper，through the introduction of the status, characteristics of wenzhou folk lending crisis as well as the impact, analysis to the wenzhou private lending crisis may take countermeasures, and combined with concrete example is given to induce the wenzhou private lending crisis affect the implementation of the national interest rate, credit policy, encourage usury, disrupting the financial system, increase enterprise burden, cause money using a vicious cycle, the debet disputes, affect social stability and other adverse effects; finally, according to the results of theoretical analysis and empirical analysis of the government should increase the intensity of financial rgulation, maintain the normal financial order; increase in private borrowing guide,specification and management suggestions.
Key words: Green barriers; CAC; Food safety standards; Positive list system
目 录
一、引言 1
二、民间借贷概念概述 1
三、温州民间借贷危机现状 2
（一）监管缺乏乱象横生 2
（二）资金规模扩张利率奇高风险失控 3
四、温州民间借贷危机产生的影响 3
（一）影响国家利率、信贷政策的实施 3
（二）助长高利贷存在，干扰金融秩序 4
（三）债务纠纷，影响社会安定 5
五、温州民间借贷危机产生的原因 5
（一）缺乏有力的监管制度和明确的法律保障 5
（二）民间借贷利率过高 7
（三）企业抗风险能力差 7
（四）企业家非理性的投资 8
六、典型案例分析 8
（一）信泰集团 8
（二）三旗集团 9
七、应对温州民间借贷危机可采取的对策建议 9
（一）国家层面：完善宏观调控，加快各项改革进程 9
（二）企业层面：完善经营体制，增强活力 10
（三）个人层面：吸取经验教训，脚踏实地 11
参考文献 12
