摘要
笔者引入正规金融机构贷款"隐性成本"概念,说明民间金融利率不仅需要参考正规金融机构贷款利率,还要包含借款人享受正规金融利率所需付出的"隐性成本",进而构建局部均衡模型,说明"隐性成本"是民间金融高利率的重要原因,并提出有效降低"隐性成本"的建议。
The authors introduce the concept of ＂invisible cost＂ in formal financial organizations to show that the informal financial interest rate not only needs to refer to the formal financial interest rate but also contains the ＂invisible cost＂ which borrowers need to pay when they accept the interest rate of formal finance, then construct a partial equilibrium model to explain that ＂invisible cost＂ is the main reason for the high interest rate of informal finance, and put forward some suggestions for lowering ＂invisible cost＂ effectively.
出处
《经济经纬》
CSSCI
北大核心
2010年第1期128-131,共4页
Economic Survey
关键词
民间金融
正规金融
隐性成本
利率
informal finance
formal finanee
invisible cost
interest rate
