民间金融利率影响因素的研究

民间金融利率影响因素的研究摘要民间金融在支持我国中小微企业的发展和推进我国经济高质量发展发挥着巨大作用，而温州是最早实行利率浮动改革的城市，也是唯一一个设立民间利率检测点的地区，温州指数作为中国第一个区域性民间借货指数，早在2017年温州指数的数据采集范围再次扩容，本土监测点达到382个，合作城市达到46个。所以本文会利用到温州指数即温州民间借贷利率，研究温州民间金融利率对研究民间金融利率具有代表作用。本文通过温州民间金融投资与温州国有投资对温州GDP的影响程度的对比，突出民间金融的重要意义，对民间金融概念和研究意义进行分析，对民间金融利率影响因素进行一定的定性、定量的分析，得以寻找对民间金融利率影响因素，并再最后提出结论及政策建议。关键词：民间金融、定性、定量分析、影响因素AbstraceNon-governmental finance plays an important role in supporting thedevelopment of China's micro,small and medium-sized enterprises andpromoting the high-quality development of China's economy,and Wenzhouwas the first city to implement the floating reform of interest rates,it is also the only region that has set up private interest rate monitoringpoints.As China's first regional private lending index,as early as 2017,the data collection scope of the Wenzhou index was expanded again,with382 local monitoring points,there are 46 co-cities.Therefore,this paperwill use Wenzhou index that Wenzhou private lending interest rates,Wenzhou private financial interest rates on the study of private financialinterest rates are representative.This paper compares the impact ofWenzhou non-governmental financial investment and Wenzhou state-ownedinvestment on Wenzhou 's GDP,highlights the importance ofnon-governmental finance,and analyzes the concept and researchsignificance of non-governmental finance,this paper makes a qualitativeand quantitative analysis on the influencing factors of non-governmentalfinancial interest rate,and then puts forward some conclusions and policysuggestions.Key words:private finance,qualitative,Quantitative analysis,influencing factors目录一、绪论-1(一）民间金融概念(二)研究背景-1(三)研究意义2(四)国内国外研究现状2二、温州民间金融的发展现状4三、民间金融发展存在的问题8四、民间金融重要性的实证分析(一)民间金融是否会影响GDP的实证分析o(二)民间金融投资对GDP的贡献度的分析-8五、温州民间金融利率影响因素的分析9(一)正规金融对民间金融利率的影响(二)资金需求者融资目的对民间金融利率的影响11(三)资金需求者在一年中不同时间资金需求程度会影响民间金融利率影响-一13(四)市场垄断对民间金融利率的影响13六.对策及建议参考文献15谢辞16