民间融资对和县经济发展的影响研究

发布时间：2018-11-05 08:41

【摘要】：一般来说,民间融资与县域经济发展具有相互促进的关系,民间融资能够推动县域经济的发展,反过来,县域经济的发展又能带动民间融资的活跃。目前,和县经济发展迅速,农业现代化、产业集群化水平不断提高,内外需求不断扩大,金融需求特别是资金的需求正在不断增加,主要表现为农业产业化和新型工业化发展以及居民消费的资金需求日益旺盛。然而和县正规金融机构在支持经济发展过程中还存在许多不足之处,主要表现为：机构网点布局不均匀,信贷投放量少,相应的金融机构体系建设不具有多元化,结构单一。造成正规金融机构支持乏力的原因较多,主要包括县域信用环境建设不完善、信贷机构贷款权限上收等。和县经济发展除了需要正规金融机构支持外,民问融资也是不可或缺的。民间融资对和县经济发展的积极作用主要表现为：缓解了“三农”的资金短缺,推动了中小企业和民营经济的发展、促进了就业和增加了农民收入,并能够促使正规金融机构提升经营能力。但是,民间融资对和县经济发展也产生了一些消极影响,即干扰了和县经济政策的实施、给社会发展带来不稳定、减少了财政收入。民间融资对和县经济发展既有积极的一方面也有消极的一方面。由于民问融资是伴随着经济的发展而长期存在的,我们不能将其彻底根除,为了更好利用它支持经济发展,我们有必要对其进行合理的引导和规范。基于此,从国家宏观层面来看,一是通过健全法律法规明确民间融资的形式、用途与规模,让民间融资有法可依；二是监管部门正确引导,合理监管,使民间融资在当前环境下阳光化发展；三是推进利率市场化,促使经济资源合理配置；四是加强信用环境建设,增强对企业的信用评级,并不断完善个人征信体系建设；五是通过舆论宣传工作,提高居民的民间融资风险意识,让居民能够理性投资,合理配置资源。而立足和县来看,首先是要加强对民间借贷的监测分析,更好地了解当地民间融资的融资规模、融资投向与融资成本,为规范和引导当地民间融资的发展提供决策参考；其次是要建立民问借贷登记备案制度,推进民间融资的阳光化发展；最后是要拓宽民间资本的投资渠道,以多样化的投资方式实现民间资本的优化配置。
[Abstract]:Generally speaking, folk financing and county economic development have a mutually promoting relationship, folk financing can promote the development of county economy, on the other hand, the development of county economy can promote the activity of folk financing. At present, with the rapid economic development of Hexian County, the modernization of agriculture, the level of industrial clusters, the expansion of domestic and foreign demand, and the demand for financial resources, especially funds, are constantly increasing. The main performance is the agricultural industrialization and the new industrialization development as well as the resident consumption capital demand is exuberant day by day. However, in the process of supporting the economic development, there are still many deficiencies in the formal financial institutions in Hexian County, which mainly show that the distribution of institutional network is uneven, the amount of credit is less, the corresponding financial institution system is not diversified, and the structure is single. There are many reasons for the lack of support of the formal financial institutions, including the imperfect credit environment in the county area, the loan authority of the credit institutions and so on. In addition to the need for formal financial institutions to support the economic development of the county, public financing is also indispensable. The positive effects of private financing on the economic development of Hexian County are as follows: it alleviates the shortage of funds for agriculture, rural areas and farmers, promotes the development of small and medium-sized enterprises and private economy, promotes employment and increases the income of farmers. And can promote formal financial institutions to enhance their operational capacity. However, folk financing also has some negative effects on the economic development of Hexian County, that is, it interferes with the implementation of economic policy of Hexian County, brings instability to social development and reduces financial revenue. Folk financing has both positive and negative aspects to the economic development of Hexian. Because of the long-term existence of financing with the development of economy, we can not completely eradicate it. In order to make better use of it to support economic development, it is necessary for us to guide and standardize it reasonably. Based on this, from the national macro level, the first is to make clear the form, use and scale of private financing by improving laws and regulations, so that private financing has laws to be followed; Second, the supervision department should guide and supervise reasonably, make the folk financing develop in the sunshine under the current environment, third, promote the marketization of interest rate, promote the rational allocation of economic resources; Fourth, strengthen the construction of credit environment, enhance the credit rating of enterprises, and constantly improve the construction of personal credit system; Fifth, through the propaganda of public opinion, we should raise the residents' awareness of the risk of folk financing, so that the residents can invest rationally and allocate resources rationally. From the point of view of Hexian, first of all, we should strengthen the monitoring and analysis of private lending, better understand the financing scale of local private financing, the financing investment and financing cost, and provide a decision-making reference for standardizing and guiding the development of local private financing. Secondly, it is necessary to establish the registration and record system to promote the sunshine development of private financing; finally, to broaden the investment channels of private capital, and to achieve the optimal allocation of private capital in a variety of investment ways.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F127;F832.35

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