我国民间借贷的问题研究 毕业论文.docVIP

惠州学院 HUIZHOU UNIVERSITY 成 人 教 育 毕 业 论 文（设 计） 中文题目：我国民间借贷的问题研究 英文题目： Our country folk lending problems research 姓 名 学 号 125301514007 专业班级 2012级 国际经济与贸易 指导教师 提交日期 2013年12月15日 成教处制 摘 要 本文通过对我国民间借贷入调研，利用法律，银行，房产，金融，等各方面知识。 在我国经济快速发展时期，民间借贷或许也只是一个过渡期，这个时期的时效性不是由任何人来决策，而是由市场所决定的。经济越是高速发展，资金的需求量也就越大，那么除了银行以及一些金融机构外，不外乎是民间融资。只要把握法律所要求的一切内容，民间借贷还是可以受到法律保护的。 民间机构无法与银行相比，因为银行存在着国家监管资金，那么对于借贷方面的要求也就苛刻，尤其针对中小型企业贷款，更加是艰难。使得越是大型企业融资越容易，而针对中小型企业融资难的问题一直未能解决。民间主要的融资均属需要抵押物，或者担保物，担保人等。这也是民间借贷风险控制范围的。中小企业融资对于民间借贷无论是借款人，还是债权人都担心资金安全，那么我们在此也可以进一步了解。 关键词：银行；担保；抵押；融资。 ABSTRACT This article through to our country folk lending in-depth research, the use of the law, banking, real estate, finance, and so on various aspects of knowledge.  Period of rapid economic development in our country, private lending may be just a transition period, the period of timeliness is not a decision by anyone, but determined by the market.The more the economy high speed development, the greater the demand for money, so in addition to some Banks and financial institutions, is nothing more than the folk financing.As long as grasp everything required by the law, the folk lending or can be protected by law. Non-governmental organizations cannot be compared with the bank, because the bank there is a national regulatory capital, so is strict to the requirement of lending, especially for small and medium-sized enterprise loan, is more difficult.Makes the more large corporate finance more easily, and in view of the small and medium-sized enterprise financing difficult problem has not been able to solve.Need folk of main financing as collateral, or collateral, guarantees, etc.Its also one of the private lending risk control.Lending to small and medium-sized enterprise financing for private borrowers, or creditors all worry about capital security, then we can further understand here. Keyword：Banks;Guarantee;Mortgage;financi 目录 1、 前言 5 1.1研究意义 5