【作者】 张涛；

【导师】 何樟勇；

【作者基本信息】 浙江大学 ， 项目管理（专业学位）， 2014， 硕士

【摘要】 民间借贷在我国有着悠久的发展历史,在其漫长的发展过程中不断发生变迁。2008年全球金融危机后,企业运营资金的紧缺和银行货币政策的持续紧缩使得银行贷款利率不断攀升,与此同时也进一步抬高了贷款门槛,众多民营企业很难从正常渠道,通过正当方式获得银行等正规金融组织的贷款,使各种民间“灰色”借贷激增。民间借贷既有其有利的一面,同时也伴随着极大的风险。一方面它不受金融体制的管理,长久以来,各级政府部门忽略其存在与发展,造成借贷管理制度的缺失。而资金链一旦受到破坏,就会引发各种不良后果,严重者会给国家与社会的和谐带来隐患,具有潜在危机。此外,民间借贷的存在,从某种程度上,促进了我国经济快速的发展,特别是一些私营企业以及中小型企业的成功运营,民间借贷都起到了不可忽视的作用。文章指出,虽然民间借贷拥有多种负面因素,但考虑到其存在和发展的各方面合理因素及对我国非公有制经济的促进作用,应该充分研究民间借贷的特性,对其利弊有明确的认知,用法律和法规的正确制度形式,引导符合条件的民间借贷资本向正规金融机构转变,将其纳入到金融体系中,赋予它应有的历史位置,使其推进经济发展的同时,更加规范、系统,扬利去弊,为我国社会稳定与经济快速增长发挥重要的作用。本文提出了规范发展民间借贷的主要思路及详细的办法,并借助理论模型阐释不同民间借贷向正规金融机构转变的选择路径,在此基础上构建出科学合理可行的民间借贷服务体系,希望对我国在民间借贷相关理论方面的探索能有所推动。更多还原

【Abstract】 Private lending in China has a long history of development, and constantly changes occur in its long development process. In the nearly three decades after the founding of private lending has been the development of civil society in a state of spontaneous, very limited scale. The early1980s, the deepening of reform and opening up the economy began to show an active civil society makes the momentum, while private lending is also accompanied by the gradual development. In the early1990s, private lending reached a stage of development of the peak of the mid-1990s, in China’s financial reform continues to increase, gradually improving oversight mechanisms related to the case, so that the development of private lending has been limited, variable became an underground transaction. Since the21st century, the private lending started to recover, in economically developed regions has formed a large scale and impact.The existence of two-sided nature of private lending, ie, it is not the management of the financial system, a long time, all levels of government to ignore its existence and development, this way, so that private lending management deficiencies in the regime of extremely severe, and If capital chain is damaged, it will lead to a variety of adverse consequences, serious harmonious state and society will bring risks, with potential crises; addition, the presence of private lending, to some extent, contributed to the country’s rapid economic development, especially in some private business and the successful operation of SMEs, private loans have played a role can not be ignored. So, about the level of private lending these two characteristics to conduct in-depth research and a clear awareness of its advantages and disadvantages, with the correct form of the system of laws and regulations, and to incorporate them into the financial system in the past, and given its due historical position, it promote economic development, more standardized, systematic, Yang Li went disadvantages, as China’s rapid economic growth, social stability and play an important role.The article points out that while private lending has a variety of negative factors, but taking into account various factors which a reasonable existence and development and to promote the role of non-public economy, first, to clearly recognize that private lending contributed to the financial development, in the economy, private lending should have a place; second, in the case of private lending role in promoting economic development in the full knowledge of the operation and the development of a sound management system, the development of private lending to regulate, so that it can step into the healthy and orderly development stage; third, the trend for the future development of private lending conducted extensive research and validation, using their own advantages to promote economic development in China. Overall, this paper presents the development of private lending norms of the main ideas and detailed way, making it a complete theoretical system and orderly economic services, we want our country to explore the theoretical aspects related to private lending right, can be driven.更多还原