温州民间金融市场的发展现状和对策研究.docx

温州民间金融市场的发展现状及对策研究摘要：民间金融一直处于地下隐蔽活动状态，不少不法分子借着民间借贷的旗号，从事非法活动，同时将民间金融与高利贷和非法集资相等同，受到监管当局的严格控制，严重影响了民间金融的正常发展。因此要正确对待民间金融问题，对其进行引导和规范，纳入国家监管范围之内，使其阳光化、规范化、合法化。近年来，随着温州民间借贷危机的爆发及随后的温州金融改革试验区的建立，温州民间金融问题再一次成为一个关注的话题。这可视为一个契机，去分析研究温州民间金融问题，理解其内在的机制和原理，并从中获得现实启示.为温州金融改革提供一些启示性的内容。本文以温州民间金融为研究对象，在分析温州金融的发展现状和存在问题的基础之上重点针对温州金融的应对策略进行了研究，以期为温州民间金融的改革贡献一份力量。关键字：温州；民间金融；对策Abstract：Private finance has been active in the underground covert, many criminals through banner private lending, engage in illegal activities, while private finance and loan-sharking and illegal fund equal to the same, subject to strict control of regulatory authorities, seriously affected the normal private finance development. Therefore, to correctly deal with private financial issues, guide and regulate its inclusion within the scope of national regulators to sunlight, standardized and legalized. In recent years, with the outbreak of Wenzhou private lending crisis and the subsequent establishment of Wenzhou financial reform pilot area, Wenzhou private financial issues once again become a topic of concern. This can be seen as an opportunity to analyze the study of Wenzhou private financial issues, to understand its internal mechanisms and principles, and derive the real revelation. Provide some suggestive content Wenzhou financial reform. In this paper, Wenzhou private finance for the study, in the current situation of the development of Wenzhou financial analysis and existing problems of coping strategies focusing on the financial Wenzhou were studied in order to contribute to a private financial reform in Wenzhou.Keywords:Wenzhou;The folk finance;Countermeasures目录摘要2Abstract.3一、引言1二、民间金融的概念1三、温州民间金融的发展概况2（一）温州民间金融发展历程2（二）温州民间金融现状3（三）温州民间金融发展和存在的原因3四、温州民间金融市场发展的存在问题3（一）经营风险高，增加金融市场的不稳定性3（二）发展不规范，不利于政府的宏观调控4（三）政策法规制度缺失，监管困难5（四）融资性担保公司问题突出，引发经济社会问题5（五）新型金融机构支持力度不足5五、促进温州民间金融市场发展的政策建议6（一）建立民间金融市场准入和退出机制6（二）健立民间金融存款保险制度6（三）建立民间金融信用担保机制7（四）建立民间金融内部控制机制7（五）建立运营监管机制8致谢1参考文献1一、引言民间金融在世界各个国家和地区中都普遍存在。在欧美等发达国家，以服务