[1]黄　越.民间借贷危机的成因及治理对策 —— 以温州民间借贷为例[J].常州大学学报(社会科学版),2012,13(01):42-45.
　HUA NG Yue.An Analysis on the Causes and Countermeasures of Private Loans Crisis ——Taking the Private Loans of Wenzhou as an Example[J].Journal of Changzhou University(Social Science Edition),2012,13(01):42-45.
点击复制

民间借贷危机的成因及治理对策 —— 以温州民间借贷为例()
分享到：

常州大学学报(社会科学版)[ISSN:2095-042X/CN:32-1821/C]

卷:
第13卷
期数:
2012年01期
页码:
42-45
栏目:
管理学研究
出版日期:
2012-03-25

文章信息/Info

Title:
An Analysis on the Causes and Countermeasures of Private Loans Crisis ——Taking the Private Loans of Wenzhou as an Example
作者:
黄　越
西南交通大学经济管理学院, 四川成都610031
Author(s):
HUA NG Yue
School o f Eco nomics and M anag ement, So uthwest Jiao to ng Univ ersit y, Chengdu 610031, China
关键词:
民间借贷;  危机;  成因;  对策
Keywords:
private loans;  crisis;  causes;  co untermeasur es
分类号:
F832. 4　
文献标志码:
A
摘要:
民营中小企业的融资需求得不到正规金融的满足, 只能转而依赖民间借贷甚至民间高利贷。不利的国际国内经济环境下, 部分中小企业经营困难, 盈利欠佳, 民间借贷的高利息使它们不堪重负, 银行惜贷使它们资金周转不灵。在温州, 不少民营中小 企业纷纷关门倒闭; 企业倒闭潮的连锁效应导致担保公司的垮塌和民间借贷市场的动荡和混乱, 引发民间借贷挤兑, 民间金融诚 信危机四伏。因而, 需要分析民间借贷危机形成原因和防治对策, 以促成民间资本更好地为经济建设服务。
Abstract:
The financing needs of pr iv ate smal l and medium- sized enter prises ar e not suff icient ly supported by o ff icial f inancial organizat io ns, and they can o nly rely on private lending mar ket o r even loansharking . Negat ive inter nat ional and domestic economic environment makes a number o f small and medium enterprises fall into f inancial dif ficult ies: poor prof it s are not eno ug h to pay the high interest s generated by pr iv ate lending or even loansharking , bank credit crunch makes the liquidity problems. Many enter prises go to bankruptcy , w hich leads to the collapse of related g uar antee companies and confusio n in private lending market , causes the gr ow ing credit crises and runs in priv ate lending market . This paper analyzes the causes and countermeasures of private loans crisis so as to pr omote private capital serving economic const ructio n bet ter .

参考文献/References:

[1] 黄敬文. 温家宝考察温州要求妥善处理企业资金链断裂[N ] . 新 京报, 2011- 10- 06 ( 3) .
[2] 史晋川. 制度变迁与经济发展: 温州模式研究[M] . 杭州: 浙 江大学出版社, 2002: 53- 56.
[3] 王　宇, 王培伟. 如何看待当前民间借贷——专访中国人民银行 有关负责人[N/ OL] . ( 2011- 11- 10)
[2011- 11- 25] . ht tp: / / new s . xinh uan et . com/ 2011 - 11/ 10/ c_ 111158752. htm.
[4] 陈飞翔, 龙玉国. 温州民间借贷研究[J] . 中国证券期货, 2010 ( 3) : 88- 89.
[5] 龚荣华, 王发明. 温州民间金融的发展现状及其对策研究[M] . 改革与战略, 2009 ( 1) : 102- 104 .
[6] 陈周锡. 金融改革迫在眉睫[N] . 经济观察报, 2011- 10- 10 ( 10) .
[7] 林乃鹏. 加大对中小企业的信贷资金倾斜[N] . 温州日报, 2011 - 09- 30 ( 1) .
[8] 周政华. 民间借贷危机调查[J] . 中国新闻周刊, 2011 ( 38) : 27 - 31.

相似文献/References:

[1]吴海芳.托尼·莫里森文学创作与文化记忆的建构[J].常州大学学报(社会科学版),2014,15(06):97.[doi:10.3969/j.issn.2095-042X.2014.06.021]
　WU Hai fang.Toni Morrison's Literary Creation and the Construction of Cultural Memory[J].Journal of Changzhou University(Social Science Edition),2014,15(01):97.[doi:10.3969/j.issn.2095-042X.2014.06.021]

备注/Memo

备注/Memo:
作者简介: 黄　越( 1988—) , 男, 重庆人, 硕士研究生, 主要从事金融学研究。
更新日期/Last Update: 2012-03-25