溫州民間借貸危機(jī)現(xiàn)狀及現(xiàn)行對策分析.doc
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溫州民間借貸危機(jī)現(xiàn)狀及現(xiàn)行對策分析,摘 要：近年來，有關(guān)溫州民間借貸崩盤的新聞成為全社會關(guān)注的焦點(diǎn)，缺乏有力的監(jiān)管制度和明確的法律保護(hù)，民間借貸利率過高，企業(yè)抗風(fēng)險(xiǎn)能力差，企業(yè)家的非理性投資，都給當(dāng)?shù)啬酥寥珖慕鹑跇I(yè)造成了不良影響。本文通過介紹溫州民間借貸危機(jī)的現(xiàn)狀、特點(diǎn)以及影響，分析應(yīng)對溫州民間借貸危機(jī)可采取的對策建議...
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溫州民間借貸危機(jī)現(xiàn)狀及現(xiàn)行對策分析
摘 要：近年來，有關(guān)溫州民間借貸崩盤的新聞成為全社會關(guān)注的焦點(diǎn)，缺乏有力的監(jiān)管制度和明確的法律保護(hù)，民間借貸利率過高，企業(yè)抗風(fēng)險(xiǎn)能力差，企業(yè)家的非理性投資，都給當(dāng)?shù)啬酥寥珖慕鹑跇I(yè)造成了不良影響。本文通過介紹溫州民間借貸危機(jī)的現(xiàn)狀、特點(diǎn)以及影響，分析應(yīng)對溫州民間借貸危機(jī)可采取的對策建議，并結(jié)合具體實(shí)例歸納出溫州民間借貸危機(jī)影響國家利率、信貸政策的實(shí)施，助長高利貸存在，干擾金融秩序，加重企業(yè)負(fù)擔(dān)，導(dǎo)致資金使用惡性循環(huán)，債務(wù)糾紛，影響社會安定等不良影響；最后根據(jù)理論分析和實(shí)證分析的結(jié)果提出對政府應(yīng)加大金融監(jiān)管力度，維護(hù)正常的金融秩序；加大對民間借貸的引導(dǎo)、規(guī)范和管理等建議。
關(guān)鍵詞：民間借貸；溫州；借貸危機(jī)；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 錄
一、引言 1
二、民間借貸概念概述 1
三、溫州民間借貸危機(jī)現(xiàn)狀 2
（一）監(jiān)管缺乏亂象橫生 2
（二）資金規(guī)模擴(kuò)張利率奇高風(fēng)險(xiǎn)失控 3
四、溫州民間借貸危機(jī)產(chǎn)生的影響 3
（一）影響國家利率、信貸政策的實(shí)施 3
（二）助長高利貸存在，干擾金融秩序 4
（三）債務(wù)糾紛，影響社會安定 5
五、溫州民間借貸危機(jī)產(chǎn)生的原因 5
（一）缺乏有力的監(jiān)管制度和明確的法律保障 5
（二）民間借貸利率過高 7
（三）企業(yè)抗風(fēng)險(xiǎn)能力差 7
（四）企業(yè)家非理性的投資 8
六、典型案例分析 8
（一）信泰集團(tuán) 8
（二）三旗集團(tuán) 9
七、應(yīng)對溫州民間借貸危機(jī)可采取的對策建議 9
（一）國家層面：完善宏觀調(diào)控，加快各項(xiàng)改革進(jìn)程 9
（二）企業(yè)層面：完善經(jīng)營體制，增強(qiáng)活力 10
（三）個(gè)人層面：吸取經(jīng)驗(yàn)教訓(xùn)，腳踏實(shí)地 11
參考文獻(xiàn) 12
摘 要：近年來，有關(guān)溫州民間借貸崩盤的新聞成為全社會關(guān)注的焦點(diǎn)，缺乏有力的監(jiān)管制度和明確的法律保護(hù)，民間借貸利率過高，企業(yè)抗風(fēng)險(xiǎn)能力差，企業(yè)家的非理性投資，都給當(dāng)?shù)啬酥寥珖慕鹑跇I(yè)造成了不良影響。本文通過介紹溫州民間借貸危機(jī)的現(xiàn)狀、特點(diǎn)以及影響，分析應(yīng)對溫州民間借貸危機(jī)可采取的對策建議，并結(jié)合具體實(shí)例歸納出溫州民間借貸危機(jī)影響國家利率、信貸政策的實(shí)施，助長高利貸存在，干擾金融秩序，加重企業(yè)負(fù)擔(dān)，導(dǎo)致資金使用惡性循環(huán)，債務(wù)糾紛，影響社會安定等不良影響；最后根據(jù)理論分析和實(shí)證分析的結(jié)果提出對政府應(yīng)加大金融監(jiān)管力度，維護(hù)正常的金融秩序；加大對民間借貸的引導(dǎo)、規(guī)范和管理等建議。
關(guān)鍵詞：民間借貸；溫州；借貸危機(jī)；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 錄
一、引言 1
二、民間借貸概念概述 1
三、溫州民間借貸危機(jī)現(xiàn)狀 2
（一）監(jiān)管缺乏亂象橫生 2
（二）資金規(guī)模擴(kuò)張利率奇高風(fēng)險(xiǎn)失控 3
四、溫州民間借貸危機(jī)產(chǎn)生的影響 3
（一）影響國家利率、信貸政策的實(shí)施 3
（二）助長高利貸存在，干擾金融秩序 4
（三）債務(wù)糾紛，影響社會安定 5
五、溫州民間借貸危機(jī)產(chǎn)生的原因 5
（一）缺乏有力的監(jiān)管制度和明確的法律保障 5
（二）民間借貸利率過高 7
（三）企業(yè)抗風(fēng)險(xiǎn)能力差 7
（四）企業(yè)家非理性的投資 8
六、典型案例分析 8
（一）信泰集團(tuán) 8
（二）三旗集團(tuán) 9
七、應(yīng)對溫州民間借貸危機(jī)可采取的對策建議 9
（一）國家層面：完善宏觀調(diào)控，加快各項(xiàng)改革進(jìn)程 9
（二）企業(yè)層面：完善經(jīng)營體制，增強(qiáng)活力 10
（三）個(gè)人層面：吸取經(jīng)驗(yàn)教訓(xùn)，腳踏實(shí)地 11
參考文獻(xiàn) 12
