本文選題：民間金融風險 + 預警監(jiān)測指標��； 參考：《武漢理工大學》2013年碩士論文

【摘要】：民間金融是相對于正規(guī)官方的金融而言的金融形式,在我國擁有兩千多年的歷史,是以民間信用為基礎發(fā)展起來的,其在融通資金、提高資金利用效率、解決中小企業(yè)融資難的問題上成為正規(guī)金融的有益補充,促進了我國經濟的發(fā)展。然而,近年來不斷發(fā)生的區(qū)域性民間借貸危機則說明了民間金融是把雙刃劍,在促進經濟發(fā)展的同時,也削弱了政府的宏觀調控力度,具有潛伏的不可忽視的金融風險。因此,控制民間金融風險則是充分發(fā)揮其功效和克服其弊端的基礎,做好民間金融風險的監(jiān)控和預警,建立一個相對完善的民間金融風險預警指標體系,將有助于防范區(qū)域性民間金融風險轉化為危機,對促進我國經濟和金融的健康、穩(wěn)定發(fā)展,有重要的現(xiàn)實意義。 本文共分為六個部分,分別對民間金融風險預警相關問題進行了論述。第一部分首先闡述了國內外學者在民間金融風險領域的研究成果；第二部分則在綜合比較該領域的研究現(xiàn)狀和研究成果的基礎上,界定了民間金融的內涵,并由此對我國民間金融風險進行界定,并分析我國民間金融風險的特性；第三部分分析我國民間金融風險的來源,闡述我國民間金融風險的特性和生成機理,分別闡述了我國民間金融風險的內生機理和外生機理；第四部分結合民間金融風險預警指標體系的選取原則,確立了本文選取的民間金融風險預警指標體系。通過因子分析法和KLR信號法對選取指標的現(xiàn)實性和合理性進行了實證檢驗,得出的結論是：本文選取的民間金融風險的預警指標體系具有一定的現(xiàn)實意義,能夠較好的解釋我國的民間金融風險的產生原因和擬合民間金融風險的變化趨勢。第五部分,通過對民間金融風險的分析,結合我國民間金融的實際情況,提出了民間金融風險的管控措施,健全我國民間金融風險監(jiān)管的法律法規(guī),完善我國民間金融風險的監(jiān)管體系,讓民間金融從“灰色地帶”逐步“陽光化”。最后,在第六部分中總結了本文的研究結論,并提出了研究存在的不足和對未來研究的展望。
[Abstract]:Private finance is a financial form relative to the formal and official finance. It has a history of more than two thousand years in our country. It has developed on the basis of folk credit. It is financing and improving the efficiency of capital utilization. To solve the problem of financing difficulties of SMEs has become a beneficial supplement to the formal finance and promoted the economic development of our country. However, the regional private lending crisis in recent years shows that private finance is a double-edged sword, which not only promotes economic development, but also weakens the government's macro-control, which has latent financial risks that can not be ignored. Therefore, controlling the private financial risk is the basis to give full play to its efficacy and overcome its disadvantages, to do a good job of monitoring and early warning of the private financial risk, and to establish a relatively perfect early warning index system of private financial risk. It will help to prevent the regional private financial risk from turning into crisis, and has important practical significance to promote the healthy and stable development of our country's economy and finance. This paper is divided into six parts. The first part describes the research achievements of domestic and foreign scholars in the field of private financial risk. The second part defines the connotation of folk finance on the basis of comprehensive comparison of the current research situation and research results in this field. The third part analyzes the sources of the private financial risks in our country, expounds the characteristics and generation mechanism of the private financial risks in China, and analyzes the characteristics of the private financial risks in China, and analyzes the characteristics and characteristics of the private financial risks in China. The fourth part combines with the selection principle of the early warning index system of the folk financial risk, and establishes the index system of the folk financial risk early warning selected in this paper. Through factor analysis and KLR signal method, the paper makes an empirical test on the feasibility and rationality of selecting indicators. The conclusion is that the early warning index system of folk financial risks selected in this paper has certain practical significance. It can explain the causes of the private financial risks and fit the changing trend of the private financial risks. The fifth part, through the analysis of the private financial risk, combined with the actual situation of the folk finance in our country, put forward the control measures of the private financial risk, and perfect the laws and regulations of the supervision of the private financial risk in our country. Improve the supervision system of the private financial risk, and gradually "sunshine" from the "grey zone" to the private finance. Finally, in the sixth part, the conclusion of this paper is summarized, and the deficiency of the research and the prospect of future research are put forward.
【學位授予單位】：武漢理工大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.39

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