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ID:23115417
大小:375.58 KB
页数:26页
时间:2018-11-04
《民间借贷的利率及风险探究——以xx市为例》由会员上传分享,免费在线阅读,更多相关内容在工程资料-天天文库。
1、民间借贷的利率及风险探究——以XX市为例AbstractWenzhou,acityfamousforitsactiveprivatefinance,hasbeenthroughprosperouseconomicdevelopmentandindustrializationrelayingonitsprivatecapitalfinancing.Afteryearsofpractice,Wenzhouprivatecapitalhasformedasetofdistinctivefinancialriskpreventionmechanism.Atpresent,thereisawidelys
2、preadingtrendoffinancialactivitiesinthefinancialmarketwithouttheregistrationinrelevantfinancialdepartmentsofthegovernment.Theyareclassifiedtothecategoryofprivatefinance.Privatefinanceisageneralconcept,notonlyindevelopingcountries,itcanbefoundindevelopedcountries.Forexample,intheUnitedStates,thereisp
3、rivatefinance,OTCfinancialandotherformsofprivatefinance.Privatefinanceisthemainapproachoffinanceinadditiontoformalfinancialinstitutions.Itreplenishesthelackofinstrumentinformalfinancialsystemwhentheofficialfinancialmarketisnotsufficientforeconomicdevelopment.Therefore,itoftenshowsmoreelasticityindem
4、and.Besides,duetoitsoutofthecontroloffinancialregulators,it’sinterestratesomehowreflectstherealdemandofmoneysupplyinaefficientway.Thispapersummarizestheexistingresearchonprivatefinance,andbrieflyreviewstheconceptandcharacteristicsofprivatefinance.Inaddition,thefactorsthataffecttheformationofprivatef
5、inanceisreviewed.Finally,theconclusionofevaluationandthesuggestionsonthedevelopmentofprivatefinancearedrawn,withsomesuggestionsandguidance.Keywords:privatefinance,interestrate,financialriskI•IntroductionTheproblemof’’usury”isalong-standingphenomenonofprivatefinanceinourcountry.Thejudicialpracticereg
6、ardinginterestrateofprivatefinancevariesfromtimetotime.Sincetheeconomicreform,legislateontheprivatefinancehasneverstopped.[28]ResearchBackgroundTherewasonesurveydoneinlate2001estimatingthescaleofprivatefinanceinWenzhou.Theresultwas30-35billionRMB.So,thescalehadincreasedbyatleast2.4timeduringthe2001t
7、o2011.Duringthesameperiod,theamountofbankloaninWenzhouhadincreasedby7times.Wecanconcludethatthescaleofprivatefinancemaynotgrowisconsistentwithbankloan.[1]1.1.1ThescaleofprivatefinanceCurrently,thought
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