文档介绍：摘 要
民间借贷在我国有着很久的历史。一方面，民间借贷弥补了金融贷款的不足，拓宽了中小企业的融资渠道，成为正规金融的有益补充；另一方面，民间借贷游离于国家的金融监管之外，其自身又具有自发性和隐蔽性，潜在的危险十分巨大，一旦发生资金断裂，往往引起一系列的不良反应。近几年，随着中国商品经济的发展，民间借贷日渐活跃，规模也呈上升趋势，在我国部分地区民间借贷出现了无序发展，引起了社会的不稳定，严重影响了社会经济的稳定和发展。
根据相关文献和实地调查,基于综合使用标准的分析和实证分析等研究方法,停止讨论许多地区官方借贷的结果。首先介绍了选题背景和研究意义,并回顾和相关的实际停止在概要文件片段;其次介绍了我国官方借贷的现状和特点,第三个原因和现状的许多地区官方借贷停止,指出区域发展的官方借贷两种特定的背景下,社会文明和外国经济必须进行要求,针对存在的许多官方借贷4,解开,探索原因。关注许多外国官方借贷危机的影响经济和社会形成;二级5是在上述分析基础上,针对存在的许多官方借贷结果后,提出对策,指出,我国应完善官方借贷政府监管后,通过完善金融服务体系,建立官方资本对实体经济的“桥梁”;基于收缩的风险,声誉约束机制失效原因,官方借贷标准需要依赖于政策的支持,系统水平和保证。
关键词：融资渠道，民间借贷，民间资本
ABSTRACT
Private lending has a long history in our country. On the one hand, private lending make up the shortage of financial loans, to broaden the financing channels for small and medium-sized enterprises, as a complement to the formal financial benefit; on the other hand, private lending free from the outside of the country's financial regulatory, its own is spontaneous and concealment, is a huge potential risk, funds in the event of a fault, often caused by a series of adverse reactions. In recent years, with the development of commodity economy in China, private lending has become increasingly active, scale is also on the rise, in the folk lending in some regions of China appeared disorderly development and caused social instability, seriously affecting the economic and social stability and development.
Based on the literature review and field survey, the comprehensive application of normative analysis and empirical analysis, to study the folk lending in Shenfu area. First introduced the background and significance of the research, and system review and comment of related theories; secondly introduces the current situation and the characteristics of China's private lending; third of Shenfu region for the development of private lending causes and status quo analysis. It is pointed out that the development of folk lending in the region is a special social and cultural