摘要
民间借贷作为正规金融的有益和必要补充,其迅速发展在客观上拓宽了中小企业的融资渠道,一定程度缓解了部分中小企业融资难的问题,刺激了经济的发展。然而民间借贷的私人性质以及政府监管的缺失,导致了金融借贷市场的混乱。通过对当前杭州地区市民借贷意愿和部分中小企业借贷状况的抽样调查,来探讨杭州市中小企业民间借贷发展现状。
Private lending,as an indispensable supplement to the normal finance system,has developed very fast,which,in one way or another,expands the fund-raising channel of SMEs(small and medium enterprise),alleviates the financing difficulties for some SMEs to a certain extent and stimulates the economy.However,due to the private nature of such lending and the insufficient government regulation,there may lead to the chaos in the financial lending market.The paper,based on the sample survey on the willingness to lend of the residents and the status of debit and credit for some SMEs in Hangzhou,probes into the present situation of the development of private loans for SMEs in Hangzhou.
作者
滕张怡
茅亦刚
梁方楚
TENG Zhangyi;MAO Yigang;LIANG Fangchu(Ningbo University of Technology,Ningbo,Zhejiang,315211,China)
出处
《宁波工程学院学报》
2019年第1期78-84,共7页
Journal of Ningbo University of Technology
基金
浙江省新苗人才计划(2017R424006)
关键词
杭州市
民间借贷
抽样调查
中小企业
多元回归
Hangzhou
private lending
sample survey
small and medium enterprise
multiple regression
作者简介
通信作者:梁方楚(1963—),男,浙江宁波人,工程硕士,副教授,主要从事数学建模研究,E-mail:lfc@nbut.edu.cn.
