广州省民间借贷的风险防范问题研究.doc

PAGE PAGE PAGE 1 PAGE PAGE 1 毕业论文 广州省民间借贷的风险防范问题研究 教学单位: 经贸学院 专业名称: 国际贸易 学 号: ＸＸＸＸＸＸＸ 学生姓名: 指导教师: 指导单位: 经贸学院 完成时间: 2014年4月20日 电子科技大学中山学院教务处制发 PAGE PAGE III 广州省民间借贷的风险防范问题研究 摘 要 随着国家政策的不断改进和完善，对我国三农问题的重视程度越来越高，但对民间借贷的扶持力度并没有投入太高的热情，民间借贷正面临着严重的发展考验。民间借贷的利润来源较为单一，资产规模不大，每增加一笔贷款就潜在增加一份风险，而且民间借贷所要面临的对象和服务对象都比较特殊，所以造成了它与其他商业性质的银行在很大程度上存在差异。民间借贷是农村金融机构的主力军。国有民间借贷大规模撤离县及县以下基层机构，目前仍在农村开展业务的国有银行分支机构寥寥无几。随着国有民间借贷从县域基层以下撤退，民间借贷成为分支机构最多的农村正规金融机构、也是农村正规金融机构中唯一与农业农户有直接业务往来的金融机构。社会经济的快速发展，促使了一些金融银行机构节奏加快，尤其是对于利润来源比较单一的民间借贷来讲，要求要跟上时代的步伐，加速自身发展。 关键词：民间借贷；风险；防范 Guangzhou province folk lending risk prevention research Abstract With the national policy of continuous improvement and improve, more and more emphasis on agriculture, rural areas and farmers problems in China is high, but in private lending support and not put too much enthusiasm, the development of the folk lending is facing a severe test. Private lending source of profit is relatively single, asset size is not large, each additional loans will increase the risk of a potential, and informal lending facing object and the service object is special, so caused it and other commercial Banks to a great extent, there are differences. Private lending is the main force of rural financial institutions. State-owned commercial Banks mass evacuation county and the county the following institutions at the grassroots level is still doing business in the rural areas have few state-owned bank branches. With state-owned commercial Banks withdraw from below the county at the grass-roots level, the folk lending rural formal financial institutions to the top of the branch, is also the only rural formal financial institutions and agricultural farmers have direct business with financial institutions. The rapid development of social economy, speed up the pace of prompted some financial institutions, especially for profits to compare single folk lending, request to keep up with the pace