新时期民间借贷的功能定位及实践模式——基于河南省省情的思考

新时期随着我国中部地区的快速发展和东部地区产业结构的升级,河南省区域经济发展在未来几年内将面临新的契机。随着国家新一轮紧缩性货币政策的出台以及未来沿海中小企业逐步向该省梯度转移,现有资金融通渠道对河南省区域经济发展带动能力不足,其作用及影响难以持续性满足未来河南省投融资的总体需求。新时期如何认识这种民间借贷形式,以及如何合理引导它的资金融通功能,进而培育多层次的金融市场,拓宽河南省区域经济发展中的资金融通渠道以满足本地企业与沿海转移企业的协调发展,成为我们需要认真面对的课题。

Thought on function orientation and practice mode of folk debit and credit in new period based on the current position of Henan Province

As the rapid development in central China and upgrading of industrial structure in east China in new period,the regional economic development in Henan will get a new chance.However,the new tight monetary policy and the gradient transfer to Henan for SMEs in coastal area gradually in future will make the insufficient for the regional economic development caused by current capital financing channels.How to know this folk debit and credit and lead the capital financing functions reasonable,cultivate the multi-level financial market and widen the capital financing channels of regional economic development in Henan for the coordinated development of local enterprises and coastal transfer companies,these are the important topic waiting for solutions.