【作者】 张岩；

【导师】 董继刚；

【作者基本信息】 山东农业大学 ， 农业经济管理， 2009， 硕士

【摘要】 近几年,我国民间借贷市场规模逐年扩大,特别是在民营经济发达的地区,民间借贷已成为中小企业融资的一个主要渠道。而随着农村经济的发展,农村地区对金融服务的需求日益增加,但正规金融无法有效的覆盖农村市场,农民对资金的需求相当部分是通过民间借贷来获得满足的。与此同时,农村民间借贷却一直被认为是无足轻重的,国家对此也无有效监管措施,因此出现了很多问题。为了更好地发挥民间借贷在农村地区对经济发展的积极作用,引导其有效地解决广大农民的资金短缺问题,本文以农村家庭和个体私营企业为借贷主体,把农村家庭作为重点研究对象,分析其借贷行为,并根据农村民间借贷活动的正负效应和影响因素,提出由政府制定相关法规,建立民间借贷监管机制,分两步在农村社区基层和省市政府内部成立专门管理机构,赋予其监管民间借贷行为的职责。将长尾理论运用到民间借贷的研究中,以事物的发展规律为依托,结合正规金融和民间借贷各自互补的优势和长处,提出最终将民间借贷纳入国家金融监管体系的解决模式。全文共有六部分组成:第一章首先介绍了选题背景和目的意义,然后阐述了本领域国内外的研究动态,指出了现有研究的局限性,并介绍了本文的研究技术路线、方法、论文的创新点及研究不足之处。第二章是农村民间借贷的一般理论分析,详细界定了本文所要研究的民间借贷,阐述了当前存在的农村民间借贷的形式及特点,为下文要研究的内容打下基础。第三章是农村民间借贷的现实考察。首先对我国民间借贷的历史沿革进行概述,其中包括对民间借贷三个发展阶段的介绍。其次对农村民间借贷的正负效应进行分析,并结合对山东地区的实证分析,深入研究了农村民间借贷的具体内容,最后总结了农村民间借贷的六个新变化。第四章是农村民间借贷的影响因素分析。首先对农村民间借贷的主体进行分析,指出了农民难从正规金融渠道借到资金;富裕农户的投资需求得不到充分满足;农村社会关系网络产生的人情借贷;信息不完全对称和“三农”资金需求的特殊性内容。然后对农村民间借贷市场进行分析,指出了金融机构对农村地区的资金供给偏少;传统农业经济的局限;正规金融政策限制和农村金融服务能力不强的问题。最后对农村民间借贷的政府影响因素进行分析,指出了地方政府的认识误区;没有具体的监管措施和相关法律法规的缺失。第五章是规范和发展我国农村民间借贷的对策建议。提出要分三个阶段创新有效的借贷管理模式,第一阶段在农村社区基层设立借贷服务部门,第二阶段建立民间借贷管理信息平台,第三阶段民间借贷与正规金融联合。其中主要是针对所提出的民间借贷服务部和民间借贷管理信息系统这两种民间借贷管理模式进行研究。第六章为结论与后续研究,概括本文的主要结论,并对尚待进一步研究的问题进行了讨论。更多还原

【Abstract】 In recent years, the informal credit’s scale in our country expanded year by year, especially in the economical developed area, the informal credit into a main channel for small and medium-sized enterprise. The demand for the financial service in rural areas has been increasing with the development of rural economy, however, the formal finance unable to cover rural market effectively. The demand for funds of peasant is satisfied through informal credit to some extent. Meanwhile, informal credit is not to be considered as an important question, the country does not have the surveillance measure. So, it appeared many problems. For the better display of the informal credit in rural area, guides its effective solute questions, This article lends the peasant household’s and rural small and medium-sized enterprises as the main body, takes the key object of study the household in rural area, and analyzes its behavior. According to the influencing factor and effect from both the positive side and negative side, proposed that makes the related laws and regulations by the government, established specialized agency for two steps in rural areas and the provinces government. And utilizes the long-tail theory in the research, take the law of development as the backing, union the superiority and the strong point of governmental finance and the informal credit, proposed that lends informal credit into the national finance supervision system, display positive role to the rural area.The paper comprises six parts. In chapter 1, firstly it introduced the backdrops and the meanings on the selected topic. Afterwards the authors explain the internal and foreign study on the informal credit. In addition the authors introduce the resourceful train of thought, the method, the innovation aspects and the limitation on this paper. In chapter 2, the analysis of general theory on informal credit, the authors detailed define the informal credit on this paper, and then explain we analyzed the existent forms and the characteristic of the present informal credit. This chart is the base of the following content. In chapter 3, we discuss on the reality inspection of informal credit. Firstly we have the general situation on the development of informal credit in our country. Secondly, analysis the positive and negative effect, Union the empirical analysis in Shandong province, deep researches the actual content. Finally, the article summarized six new changes of informal credit in rural areas. In chapter 4, we study on the influencing factor of informal credit. Firstly, analysis the main body of informal credit in rural area. Had pointed out that the farmer borrows the fund from the governmental finance is very difficult; the wealthy household’s investment demand cannot obtain satisfies fully; the informal credit in the rural community; information is asymmetrical; the fund demand is special. Secondly, the article analyses the market of informal credit in rural area, point out the fund from the governmental finance is fewer; the Limitation of traditional farming economy; the service’s problems of the governmental finance and informal credit. Finally, analysis the influencing factor of government, point out the erroneous zone; have not concrete monitoring measure and related laws and regulations. In chapter 5, we mainly discuss the operating mechanism of informal credit, which mainly aims at the three ways. The first stage is sets up the informal credit office in villages and towns, the second stage is established informal credit management information system, the third stage is lends informal credit into the national finance supervision system. In chapter 6, Summary is given and continuative research on the informal credit in the future. We generalize the main conclusion in this paper and illuminate the continuative researched aspects.更多还原