中国矿业大学徐海学院毕业设计答辩及综合成绩
答 辩 情 况 回 答 问 题 提 出 问 题 正 确 基本 正确 有一般性错误 有原则性错误 没有 回答 答辩委员会评语及建议成绩： 答辩委员会主任签字： 年 月 日 学院领导小组综合评定成绩： 学院领导小组负责人： 年 月 日 5 摘 要
民间借贷作为一种古老的融资方式,在我国有着悠久的历史。现阶段我国的民间借贷是改革开放以后，随着我国市场经济的发展而发展起来的。21世纪以后，我国民间借贷的规模逐渐扩大，影响日益深远，在当前中国的经济发展中发挥着重要的作用。民间借贷既有积极作用，也有消极作用。一方面，民间借贷的存在和发展在弥补正规金融不足的同时也带动了正规金融的发展。而另一方面，我们必须看到民间借贷的存在和发展在一定程度上削弱了宏观调控的力度，并且其风险的危害性也大。因此，如何定位我国的民间借贷并采取相应的政策措施已经成为当前亟需解决的问题。
本文以徐州民间借贷为主要研究对象，在阐述民间借贷基本理论的基础上，探讨了徐州民间借贷存在的背景其对经济的影响，并提出了相关的政策建议。全文共分为四个部分。首先，本文阐述了徐州市民间贷款行业的背景与现状；其次，本文指出了徐州民间贷款行业所存在的一些问题；再次，本文多方面，多视角的对徐州民间贷款行业所存在的问题进行了分析；最后，本文针对徐州市民间贷款行业存在的问题提出了一些对策和建议，包括政府应出台相关法律，加大法律宣传力度，参与者应该加强法律意识，消除投机心理等一系列的方法。
关键词：民间借贷参与者、 民间借贷相应法律规定、 民间借贷利率
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Abstract
As an old financial way, private lending has a long history in China. Today our country’s private lending develops with the developing of market economy after reform and open. In the 21stcentury, scale and influence enlargement make our country’s private lending play a very important role in Chinese economic development. The influence of private lending is sometimes active and sometimes negative. On the one hand, private lending can make up for the lack of normal finance and promote its development. On the other hand, folk finance impairs macro-control to some extent and has big risk. Therefore, the study of private lending’s location and policy implement becomes urgent.
Taking Xuzhou private lending as the main research object , described the basic theory of private lending on the basis of the existence of private lending in Xuzhou background of its impact on the economy and put forward some policy recommendations. Paper is divided into four parts. First, the Xuzhou This paper describes the background of private loan industry, and the status quo; Secondly, the paper points out some problems of Xuzhou private loan industry; again, this many affects, many people view the mortgage industry in Xuzhou the problems were analysis; Finally, Xuzhou City, private loans for the problems the industry put forward some countermeasures and suggestions, including government laws should be introduced ，to increase the legal advocacy efforts, participants should strengthen the legal awareness, to eliminate speculation and a series of methods. Key words: private lending participants、 the corresponding private lending law、private lending rates
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目 录
1 引言......................................................... 1 1.1本课题研究意义，背景.......................................1 1.2国内外研究现状............................................3 1.2.1相关概念的界定..........................................3 1.2.2民间借贷产生的原因......................................4 1.2.3民间借贷的运行机制、性质及特征..........................5 1.2.4民间借贷利率的理论解释..................................5 1.2.5民间借贷的前景和出路....................................6 1.2.6有的学者并不同意要对非正规金融实施正规化改造的观点......6 1.3本课题拟采用的研究方法和研究内容..........................7 1.3.1研究内容................................................7 1.3.2研究方法 ...............................................7 2 徐州民间贷款行业发展现状.....................................7 2.1徐州民贷行业历史、背景及特点...............................7 2.1.1徐州民贷行业历史背景....................................7 2.1.2徐州民贷行业的特点......................................9 2.2 徐州民贷行业现状........................................10 2.2.1徐州当前民间借贷的现状.................................11 3 徐州民间贷款行业存在的问题..................................15 3.1 徐州民贷行业存在问题....................................15 3.2 小结....................................................17 4 徐州民间贷款行业存在的问题成因..............................18 4.1 问题成因分析............................................18 5 规范和发展徐州民间贷款的对策及建议..........................23 5.1 规范民间借贷的对策...................................... 23
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5.2 对民贷行业一些建议......................................24 5.3 总结....................................................27 参考文献......................................................28 翻译部分
英文译文..................................................30 中文译文..................................................36 致谢..........................................................40
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