民間借貸與中小企業(yè)融資問(wèn)題研究

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摘 要
在市場(chǎng)經(jīng)濟(jì)不斷發(fā)展的當(dāng)下，民間借貸作為一種操作靈活、來(lái)源豐富的融資渠道，受到了越來(lái)越多中小企業(yè)的青睞。這不僅僅是由于正規(guī)金融滿(mǎn)足不了中小企業(yè)的資金需要，也是因?yàn)橹行∑髽I(yè)的成長(zhǎng)急需新的融資渠道。民間借貸在解決中小企業(yè)資金方面具有很大發(fā)展空間，規(guī)范、引導(dǎo)民間借貸發(fā)展，有利于拓寬民間借貸融資渠道，解決中小企業(yè)融資需求，促進(jìn)非公有制經(jīng)濟(jì)發(fā)展；而且可以促進(jìn)多層次信貸市場(chǎng)的形成，活躍金融市場(chǎng)、合理配置資源、促進(jìn)經(jīng)濟(jì)發(fā)展，很好的填補(bǔ)了正規(guī)金融的空白。當(dāng)然，民間借貸也存在著一些自身無(wú)法克服的缺點(diǎn)，政府管理不易、不法分子利用以此獲利、抗風(fēng)險(xiǎn)能力較低等，這無(wú)形中給中小企業(yè)的發(fā)展帶來(lái)了很大的壓力。本文主要從中小企業(yè)、民間借貸的概述、混亂的民間借貸環(huán)境的現(xiàn)狀及原因入手，找出目前發(fā)展存在的問(wèn)題，分析民間借貸對(duì)中小企業(yè)融資的影響，并提出了完善民間借貸形式發(fā)展的對(duì)策以及在中小企業(yè)如何防范民間借貸風(fēng)險(xiǎn)給出了相關(guān)的建議。

關(guān)鍵詞：民間借貸 中小企業(yè) 融資

ABSTRACT

In the continuous development of the market economy today, folk lending as a flexible operation, rich source of financing channels, has been more and more small and medium enterprises. This is not only the result of formal finance can not meet the financial needs of SMEs, but also because the new financing channel of small and medium-sized enterprises growth need. Borrowing has great development space in solving the small and medium-sized enterprise funds,regulate, guide the development of nongovernmental debit and credit, to broaden the folk financing loan, to solve the financing needs of SMEs, and promote the development of non-public economy; but also can promote the formation of multi-level credit market, active financial market, the rational allocation of resources, promote economic development, the blank is very good fill the formal finance. Of course, private lending also has some can not overcome its own shortcomings, the government management is not easy, illegal use of this profit, anti risk ability is low, this is tantamount to the small and medium-sized enterprise development has brought great pressure. This article mainly from small and medium enterprises, private lending, private lending the chaotic situation and reasons, and find the problems in the development,analysis of the impact of private lending to the financing of small and medium-sized enterprises, and puts forward the Countermeasures for the development of folk loan form and in the small and medium-sized enterprise how to prevent private lending risk related recommendations are given.

Key words：private lending small and medium sized enterprises
financing

目 錄
前言 1
1.相關(guān)理論概述 2
1.1 中小企業(yè)融資概述 2
1.1.1 中小企業(yè)的界定 2
1.1.2 中小企業(yè)融資的方式 2
1.1.3 中小企業(yè)融資的特征 4
1.2 民間借貸概述 4
1.2.1 民間借貸的界定 4
1.2.2 民間借貸的特征 4
1.2.3我國(guó)民間借貸的發(fā)展歷程 5
2.中小企業(yè)民間借貸的現(xiàn)狀分析 6
2.1 中小企業(yè)民間借貸的現(xiàn)狀 6
2.2 中小企業(yè)民間借貸存在的問(wèn)題 8
3.民間借貸對(duì)中小企業(yè)融資影響分析 10
3.1民間借貸的正面效應(yīng)分析 10
3.2民間借貸的負(fù)面效應(yīng)分析 11
4.完善民間借貸擴(kuò)充中小企業(yè)融資渠道的建議及對(duì)策 13
4.1 我國(guó)民間借貸的改革方向 13
4.1.1完善相關(guān)法律 13
4.1.2 制訂行業(yè)規(guī)范，完善合理的民間借貸法規(guī)和辦法 14
4.1.3 構(gòu)建民間借貸市場(chǎng)化利率體系 14
4.1.4 金融機(jī)構(gòu)加大力度承擔(dān)自身職責(zé) 14
4.1.5 加強(qiáng)民間融資組織創(chuàng)新 15
4.1.6 引導(dǎo)民間借貸資金流向 15
4.1.7 增大信息溝通范圍、加強(qiáng)對(duì)民間借貸的監(jiān)管力度 16
4.2 中小企業(yè)防范民間借貸風(fēng)險(xiǎn)措施 16
結(jié)束語(yǔ) 17
參考文獻(xiàn) 19
后記 20