民间借贷对温州中小企业融资的影响分析

贷对温州中小企业融资的影响分析

摘   要：经过多年的发展，民间借贷在推动中小企业发展中扮演越来越重要的角色，但由于其发展的背景和自身缺陷，使民间借贷存在许多不利方面，其主要问题表现在：加重了企业负担，导致企业资金使用恶性循环，法制不健全，容易发生债务纠纷并且助长高利贷的存在，容易增加社会的不安定因素等。

    因此，为了民间借贷与中小企业融资的健康发展，为了整个金融体系的繁荣稳定，针对民间借贷所存在的问题，本文的对策建议是加快确定民间借贷的合法地位、建立民间借贷利率定价机制、加强对金融中介机构的监管、打击违法金融活动、保障民间借贷合法权益和加强对民间借贷的监督和引导。

关键词：民间借贷；中小企业；融资

Influence analysis of the private lending to Wenzhou small and medium enterprise financing

 

Abstract：After years of development, the private lending in promoting the development of small and medium-sized enterprises play an increasingly important role, but because of the background of its development and its own defects, there are many negative aspects of private lending, the main problem: the increased burden on enterprises, resulting in the vicious cycle of enterprise funds, the legal system is not perfect, prone to debt disputes and contribute to the existence of usury is easy to increase social unrest. 

Therefore, to the healthy development of private lending and SME financing, to the prosperity and stability of the entire financial system for the problems of private lending, the countermeasures recommended speed up to determine the legal status of private lending, private lending interest rate pricing mechanism, to strengthen regulation of financial intermediaries, to crack down on illegal financial activities, to protect the legitimate rights and interests of private lending and strengthen the supervision and guidance of private lending. 

    Key words:Private lending；the small and medium-sized enterprise, financing

二、范文提纲

目  录

一、引言.........................................................................................................................4

二、民间借贷概述.........................................................................................................4

   （一）民间借贷的基本内涵...................................................................................4

   （二）民间借贷存在的原因...................................................................................5

   （三）当前民间借贷发展现状...............................................................................6

1、国外民间借贷发展现状...................................................................................6

2、国内民间借贷发展现状...................................................................................7

三、温州中小企业民间借贷状况.................................................................................7

   （一）民间借贷规模...............................................................................................7

   （二）借贷资金用途...............................................................................................8

   （三）民间借贷利率...............................................................................................8

四、民间借贷对温州中小企业的影响分析.................................................................9

   （一）民间借贷的积极作用...................................................................................9

1、缓解中小企业融资难，促进经济发展............................................................9

2、优化资源配置，提高资金的使用率................................................................9

3、推动金融体制改革，提高金融服务水平........................................................9

   （二）民间借贷的消极影响..................................................................................10

1、加重了企业负担，导致企业资金使用恶性循环..........................................10

2、法制不健全，容易发生债务纠纷..................................................................10

  3、助长高利贷的存在，加快企业倒闭..............................................................10

4、增加社会不安定因素...................................................................................10

5、民间借贷的违约风险分析............................................................................10

五、规范温州民间借贷的对策与建议........................................................................11

   （一）确立民间借贷的合法地位..........................................................................11

   （二）建立民间借贷利率定价机制......................................................................11

   （三）加快推进金融改革，搭建多个金融平台................. ................................11

   （四）建立多层次、多元化的监管体系..............................................................12

   （五）拓展民间融资的渠道，规避民间融资风险..............................................12

  （六）民间借贷的是合理与否性.........................................................................12

总结..........................................................................................