我国民间金融行为特征及规范发展研究
Research on behavioral characteristics and the regulation development of Informal finance in China
Abstract
民间金融问题是备受社会广泛关注的理论和现实问题。近年来，民间金融再度活跃，在缓解民营经济和中小企业资金饥渴的同时，也逐渐暴露出各种金融风险和社会问题。因此，深入分析当前民间金融形式特点和行为特征，提出民间金融规范发展的政策建议具有一定的现实意义。 首先，本文阐述了国内外对民间金融内涵的界定和国内外学者关于民间金融的相关研究文献；根据民间金融兴衰情况将民间金融历史演变过程划分为：产生发展、压制萎缩以及重获新生三个不同发展阶段；根据融资双方社会信任关系的强弱划分归纳为强社会信任关系、一般社会信任关系、弱社会信任关系三类民间金融形式，并以友情借贷、标会、典当行作为典型，从信息对称性、契约化特征、交... Informal finance is an issue of great concern, especially in recent years, due to its wide and active presence. While easing private economy and SMEs’thirst for fund, informal finance has brought about various financial risks and social problems. Therefore, it is of great significance to analyze features and behavioral characteristics of various forms of current inform finance. Firstly, the the...