民间借贷与农村经济发展的实证分析——以湖北省恩施州为例

中南民族大学硕士学位论文民间借贷与农村经济发展的实证分析——以湖北省恩施州为例姓名：王皖君申请学位级别：硕士专业：区域经济学指导教师：陈志刚20100412中南民族大学硕士学位论文

I 摘 要 在我国农村，由于历史及体制等方面的原因，金融体系的发展还远落后于城市。农村资金大量外流、农业贷款量持续减少等金融弱化现象始终制约着我国农村金融市场的发展，资金不足己成为制约新农村建设的瓶颈。日益突出的资金供需矛盾，使我国的农村非正规金融市场，即一种游离于法律规定范围以外的金融市场得到了迅速发展。近几年来，非正规金融市场在数量与规模，以及所占农村资金市场比重上，都远远超过正规金融机构在农村信贷市场的地位，也越来越引起学术界的关注和决策层的注意。 在农村非正规金融市场已经迅速发展为我国农村金融重要组成部分的背景下，笔者以湖北省恩施州地区民间借贷市场为研究案例，从金融抑制角度和交易成本优势角度探讨了我国农村非正规金融的产生机制；根据对恩施州地区发放的258份调查问卷数据结果的统计分析，分别从参与民间借贷的农户数量、借贷金额、借贷对象、借贷利率、借贷用途、借贷期限、借贷效果、还款情况等对我国农村地区民间借贷发展现状进行了剖析，总结出了我国农村地区民间借贷市场的基本特征、运行规律及信用状况，并选取了144个有效样本做出了关于非正规金融与农村地区农户收入增长间的实证分析，得出了民间借贷对我国农村经济发展有显著的积极意义这一回归结果；在深入农村调研和学习大量文献的基础上总结了我国民间非正规金融在运行过程中出现的问题，并依此提出了如何进一步规范民间借贷的相关政策建议。 民间借贷与农村经济发展的实证分析

II本文主体部分分为以下三个主要部分： 第一部分：民间借贷兴起的理论分析。在这一章节，笔者分别从金融抑制角度和交易成本优势角度分析了民间借贷产生、发展的理论原因及现实原因。 第二部分：作为文章的重点部分，依据实地调研结果，笔者先对恩施州地区居民收入状况进行了分析，在此基础上描述、总结了我国农村地区民间借贷市场的运行特征；对民间借贷产生的实际效果进行评估，选取有效样本数据做出了恩施州农村地区民间借贷与农户收入增长之间的实证分析。 第三部分：总结非正规金融市场所存在的问题，包括民间借贷市场自身运行过程中出现的实际问题及其对国家金融体系的一些负面影响；最后依据上述问题提出如何更好的规范民间借贷发展的相关政策建议。 关键词：民间借贷；产生机制；运行现状；效益分析；金融风险；规范措施 中南民族大学硕士学位论文

III Abstract In our rural areas, due to historical and institutional and other reasons, the development of the financial system is still far behind the city. Rural outflows of capital, continued decreasing agricultural loans and other financial weakening of the phenomenon has restricted the development of China's rural financial market, shortage of funds has become a bottleneck restricting the construction of new countryside. Contradiction between supply and demand of funds have become increasingly prominent, so that the rural non-formal financial market, that is, an automatic systerm beyond the scope of the financial markets have developed rapidly. In recent years, in China's vast rural areas, informal finance, whether in quantity and size, or proportion of the capital market, far more than formal financial institutions in rural credit market position, The development of non-govenmental lending has been of great concern and attention aroused in the academic community and decision-making community. As the rural informal financial market in China has rapidly developed into an important part of the wholel financial evironment ,in this paper, base the survy on Enshi in HuBei Province as an example , from the financial controling point and transaction costs view ,the author explores the mechanism of informal finance; based on 258 peasant familiessurvey data, used the statistical patton, the writer has analysized the points of amount ,objects, the interest rate, duration, purpose, effect, and credit repayments of non-governmental lending ,describe the basic characteristics of the loan market, the law of running, and the credit of the loan . And selected the144 effective samples to make up on the informal financial and 民间借贷与农村经济发展的实证分析

IVPeasant Households in rural areas, use the empirical patton obtained a regression that private lending has significant positive results on rural economic development in China . In learning the basis of extensive literature summary of informal finance, the author discrib the problems of informal finance during operation in China's civil society, and finally proposed relevant policy recommendations . This paper is divided into the following main part of the three main parts: Part I: Theoretical Analysis of the private lending rise. In this chapter, the author analyzed the mechanism of private lending from the financial controling view and perspective of transaction cost advantages ,to discribe the theory of reasons and practical reasons for the prospective develop of informal finance. . The second part: As a key part of the article, the author based on Enshi field research ,concluded the features of private lending in rural areas ,and select samples to make up on the informal financial and Peasant Households in rural areas, use the empirical patton obtained a regression that private lending has significant positive results on rural economic development in China . Part III: Summary of non-formal financial market problems, and to make relevant policy recommendations accordingly. Key Words：Private Lending; Mechanism ; Status Of Loan Market; Benefit Analysis; Financial Risks; Rules 中南民族大学硕士学位论文

1 中南民族大学 学位论文原创性声明 本人郑重声明：所呈交的论文是本人在导师的指导下独立进行研究所取得的研究成果。除了文中特别加以标注引用的内容外，本论文不包含任何其他个人或集体已经发表或撰写的成果作品。对本文的研究做出重要贡献的个人和集体，均已在文中以明确方式标明。本人完全意识到本声明的法律后果由本人承担。 作者签名： 日期： 年 月 日 学位论文版权使用授权书 本学位论文作者完全了解学校有关保留、使用学位论文的规定，同意学校保留并向国家有关部门或机构送交论文的复印件和电子版，允许论文被查阅和借阅。本人授权中南民族大学可以将本学位论文的全部或部分内容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存和汇编本学位论文。 本学位论文属于 1、保密□，在______年解密后适用本授权书。 2、不保密□。 （请在以上相应方框内打“√”） 作者签名： 日期： 年 月 日 导师签名： 日期： 年 月 日√中南民族大学硕士学位论文