摘要
文章从理论和现实两个角度对民间借贷进行了考察。在理论上,对民间借贷存在的合理性进行了分析,并通过交易费用率比较,说明了民间借贷的边界。在现实上,通过历史数据和截面数据分析了民间借贷在我国农户和中小企业融资中的重要作用,考察了我国民间借贷边界的变迁过程及原因。最后,文章提出了发展民间借贷的政策建议以及国家管理民间借贷的指导原则。
In this theoretical analysis and practical account of the people- to- people credit, the boundary of the practice is unveiled and its important role in providing finance for Chinese farmers and small- and medium- sized enterprises is estabhshed. With an elaboration of the evolution and sources of such credit, the article brings forth suggestions concerning the development, policy making and regulation of China＇s people - to - people credit.
出处
《山西财经大学学报》
2005年第5期123-128,共6页
Journal of Shanxi University of Finance and Economics
关键词
民间借贷
交易费用率
边界
people- to- people credit
transaction rate
boundary
