鄂尔多斯地区民间借贷现状调查及在地区经济发展中的效用分析

发布时间：2018-03-18 02:08

本文选题：民间借贷　切入点：区域经济发展　出处：《内蒙古大学》2014年硕士论文　论文类型：学位论文

【摘要】：民间借贷在我国最早出现于建国后的二三十年里。随着商品经济的发展、民间借贷也逐渐的活跃起来。在国家实施稳健的货币政策以来,民间借贷再次掀起浪潮。民间借贷以温州地区最为活跃,而伴随着前些年煤炭需求量和价格的快速增长,给鄂尔多斯的经济带来了高速发展,随之当地的民间借贷也开始活跃起来。但没有只涨不跌的市场,到了2008年受次贷危机的影响,以能源产业为主导的鄂尔多斯市首当其冲受到了经济下行环境的影响,经济增速出现回落,在经济上升期积累的许多问题也暴露了出来。同时非正规金融-民间借贷对于地方经济发展的效用研究,在学术界也引起了轩然大波,有的认为民间借贷对地区经济快速发展起到了积极的推动作用,有的则认为由于地方政府对民间借贷管制的疏忽,引起了很多社会问题。此时正确认识民间借贷在地区经济发展中的效用,对正确处理民间借贷问题显得尤为重要。本文旨在全面了解鄂尔多斯市民间借贷不同发展时期在本地区经济发展中所起的作用。本文中主要把研究民间借贷是否对地方经济发展产生积极的作用作为重点,以鄂尔多斯地区为例,从两个角度分析和进行验证。从宏观层面,主要研究民间借贷对于地方经济发展程度的效用,以GDP为变量,测算出民间借贷在近几年的鄂尔多斯国民生产总值中的贡献程度。另一方面,我们对鄂尔多斯的小额贷款公司进行了实地调研。最后得出民间借贷对于地方经济发展会产生一定的积极推动作用。体现在以下两个方面：第一,从鄂尔多斯2008-2013年GDP增长中,由民间资本投资直接拉动的比例约占1/3左右。另一方面,通过对小额贷款公司的问卷调查,发现从2008年起,鄂尔多斯市小额贷款公司占到全区近1/3、1/5、1/6,2011年鄂尔多斯小贷公司放贷规模占全区比重也到历史最高,在目前整体经济下行、小微企业融资困难的情况下,全市小贷公司共支持了约3500户小微企业、个体工商户及农牧户的生产和发展,对促进地区经济发展、农牧民增收起到了重要作用。通过本文的研究结论,我们建议大力加强地方政府对民间借贷的规范、监督及引导的力度,从而使民间借贷在区域经济发展中发挥更加积极有效的作用,从而实现经济增长的目标。
[Abstract]:Folk lending first appeared in the twenty or thirty years after the founding of the people's Republic of China. With the development of the commodity economy, private lending has gradually become active. Since the implementation of the country's prudent monetary policy, Private lending is the most active in Wenzhou, and with the rapid growth in coal demand and prices in previous years, it has brought about rapid economic growth in Ordos. Local private lending also began to pick up. But there was no market that rose and fell. By 2008, the energy industry dominated Ordos was first affected by the economic downturn, affected by the subprime mortgage crisis. The economic growth rate has slowed, and many problems accumulated during the economic upswing have also been exposed. At the same time, the research on the utility of informal finance-folk lending to the development of the local economy has also caused a great uproar in academic circles. Some believe that private lending has played a positive role in promoting the rapid development of the regional economy, while others believe that due to the negligence of local governments in regulating private lending, Caused a lot of social problems. At this time, we correctly understood the utility of private lending in the development of regional economy. It is very important to deal with the problem of private lending correctly. This paper aims to fully understand the role played by the different development periods of lending among the citizens of Ordos in the economic development of our region. In this paper, we focus on the study of whether folk lending has a positive effect on the development of local economy, taking Ordos region as an example to analyze and verify it from two angles. This paper mainly studies the utility of folk lending to the development of local economy. Taking GDP as a variable, it calculates the contribution of private lending to the gross national product of Ordos in recent years. On the other hand, We conducted a field study on the small loan companies in Ordos. Finally, we concluded that private lending will have a positive impact on local economic development. This is reflected in the following two aspects: first, from the growth of GDP in Ordos from 2008 to 2013, The proportion directly pulled by private capital investment accounts for about 1/3. On the other hand, through a questionnaire survey of microfinance companies, it is found that since 2008, In 2011, the small loan company in Ordos accounted for the highest proportion in the whole region's history. At present, the overall economy is on the decline, and small and micro enterprises are having difficulty in financing. The city's small loan companies have supported the production and development of about 3,500 small and micro enterprises, individual industrial and commercial households and farmers and pastoralists, which have played an important role in promoting regional economic development and increasing the income of farmers and herdsmen. We suggest that local governments should strengthen the regulation, supervision and guidance of private lending so as to play a more active and effective role in regional economic development and realize the goal of economic growth.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F127

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