摘要
民间金融是正规金融的有益补充,具有很强的内生性、路径的依赖性和生存发展的合理性。但近年来,中国民间金融乱象丛生,民间借贷危机频发,民间金融的合法化、规范化等成为社会广泛关注的热点问题。在对中国民间金融非理性繁荣的诱因进行分析的基础上,重点围绕民间金融如何回归理性、规范有序发展这一核心主线,分别从金融服务体系、市场准入机制、回归实体经济、分层监管体系和金融生态环境等方面,试图寻求一条路径以实现民间金融与正规金融的协同发展。
Informal finance, which has a strong endogenous character, path dependence and reasonable existence and development, is a beneficial supplement of formal finance. In recent years, more and more problems and credit crisis appear in informal finance, which make the legalization and standardization of it become a hot topic of the society. Based on the analysis on the inducement of irrational prosperity of informal finance, and the concern on how to make rational return and standardized development of informal finance, the author tries to find out a path to realize the coordinated development of informal finance and formal finance from the aspects of financial service system, market entry mechanism, real economy return, multi - level supervision system and financial ecological environment.
出处
《云南财经大学学报》
CSSCI
北大核心
2012年第6期99-104,共6页
Journal of Yunnan University of Finance and Economics
关键词
民间金融
民间借贷
理性回归
规范发展
路径选择
Informal Finance
Informal Credit
Rational Return
Standardized Develop- ment
Path Choice
