摘要
我国民间金融具备典型的高利贷化和高杠杆化特征,究其根源是商业信用的先天不足和银行信用的高度抑制对民间金融市场化的双重影响。当前中国的民间金融乱象的生成是因为趋于高利贷化的民间金融无法改善信贷市场的资金配置效率,反而通过急速放大的资本市场累积了巨大的金融风险。反思当前民间金融乱象迷局,一方面必须完善符合中国国情的商业信用和银行信用体系;另一方面应提升政府的有效监管和风险防范水平,重建有序民间金融。
The informal finance in China has the typical characteristics of usury and high leverage. After investigating into the reasons,we find that the root cause is the dual influence of the congenital deficiency of commercial credit and the high inhibition of bank credit on the informal financial marketization. At present,the causes of China＇s informal financial chaos are that the informal finance which tends to usury can＇t improve the capital allocation efficiency of credit markets,but has accumulated a huge financial risk by rapidly amplified capital market distortions. Reflecting on the current informal financial chaos,on the one hand,it must focus on perfecting the commercial credit and bank credit system which accord with China＇s national conditions; on the other hand,it must enhance the government＇s effective regulation and risk prevention,so as to reconstruct the informal finance which benefits for the general public.
出处
《经济体制改革》
CSSCI
北大核心
2017年第1期149-153,共5页
Reform of Economic System
基金
江西省社会科学"十二五"规划青年项目"江西省新型城镇化模式和路径选择研究"(13JL06)
九江学院校级科研项目"九江大都市区新型城镇化模式和路径选择研究"(2013SK01)的阶段性研究成果
关键词
民间金融
高利贷
金融体制改革
政府监管
informal finance
usury
financial system reform
government regulation
