互联网金融背景下民间融资的新趋势——以浙江台州为例  

New Trends of Informal Financing under the Influence of Internet Finance——Take Taizhou for an Example

作　　者：王立平[1] 魏博文[1] 王哲绩 

机构地区：[1]中国人民银行台州市中心支行,浙江台州318000 [2]中国人民银行黄岩区支行,浙江黄岩318020

出　　处：《台州学院学报》2017年第4期20-25,37,共7页Journal of Taizhou University

摘　　要：基于互联网金融对民间融资影响加深的背景,通过对浙江台州民间融资规模测算和关键时点对比分析发现,民间融资支持初创、个私经济的主导作用未变、整体发展合理,但呈现"三升、三化"趋势,即规模上升、成本上升、风险上升,模式职业化、需求两极化、用途非正常化。在此基础上,提出关注民间融资"顺周期"风险、加强互联网金融影响评估、推动金融供给侧改革、打击非法集资、健全法律法规五方面规范发展民间融资的政策建议。In recent years, internet finance has deepened influence on informal financing. By com-paring of informal financing scale at key time-points in Taizhou, the results show that the leading roleof informal financing supporting the private economy has not changed with reasonable development, and'three ups'as growing up of scale, cost and risk are present with mode professionalism, needs polar-ization and use non-normalization. Based on this, this paper puts forward five suggestions for standardiz-ing the development of informal financing as paying close attention to procyclicality risk, enhancingevaluation of internet finance impact, promoting financial supply-side reform, combating illegalfund-raising and perfecting laws and regulations.

关 键 词：民间融资 互联网金融 特征 趋势 

分 类 号：F832.4[经济管理—金融学]