我國民間融資的效應分析

目錄
目錄 1
摘要 I
Abstract II
第一章 前言 1
第一節(jié) 研究背景 1
第二節(jié)  民間融資概述 1
第二章 我國民間融資發(fā)展現(xiàn)狀 3
第三章 我國民間融資發(fā)展中的主要問題 5
第四章 我國民間融資的效應分析 7
第一節(jié) 民間融資的正面效應分析 7
第二節(jié) 民間融資的負面效應分析 8
第五章 我國民間融資現(xiàn)狀的解決對策 10
第六章 總結 12
致謝 13
參考文獻 14
相關譯文 15
正規(guī)與非正規(guī)金融：來自中國的證據(jù) 15
英文原文 18
Formal versus Informal Finance:Evidence from China 18

 
我國民間融資的效應分析
摘要
 民間融資是指出資人與受資人之間，在國家法定金融機構之外，以取得高額利息與取得資金使用權并支付約定利息為目的而采用民間借貸、民間票據(jù)融資、民間有價證券融資和社會集資等形式暫時改變資金使用權的金融行為, 是國家法定金融機構投融資的有效補充。民間融資具有靈活簡便、利率彈性大、融資主體多元化等特征。民間融資活動對于調劑社會資金余缺、優(yōu)化金融資金配置、促進區(qū)域經(jīng)濟協(xié)調發(fā)展起到了積極作用，但同時對貨幣政策目標實現(xiàn)、地區(qū)金融穩(wěn)定、正常經(jīng)濟社會秩序產生了一定的負面影響。近年來民間融資活動日益發(fā)達，本文通過對民間融資現(xiàn)狀的研究，來對其融資效用進行分析，發(fā)現(xiàn)其中優(yōu)劣之處，并對不好的方面提出解決對策。
關鍵詞：民間    融資    利息   效用    借貸    金融     票據(jù)    資金

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