摘要
民间金融是介于正规金融和非法金融之间的一种非正规金融组织。金融抑制和正规金融的小额信贷市场失灵,以及基于交易效率和契约治理方面的竞争优势,为民间金融创造了必要的生存条件。民间金融的效率优势存在理性边界,而信任度和社会网络关系扩展程度则起着决定性的作用。
This paper makes a theoretical analysis on the economic nature, the existent logic and the efficient boundary of civil financing. The conclusions of research demonstrate that civil financing is a kind of informal financial organization,locating at the band of informal financing and illegal financing. The civil financing survives with these conditions that the financial restraining policies and the market-failure on the small loaning of
出处
《广东金融学院学报》
2005年第6期30-34,共5页
Journal of Guangdong University of Finance
关键词
民间金融
经济性质
生存逻辑
效率边界
Civil Financing
Economic Nature
Existent Logic
Efficient Boundary
