我国非正规金融的绩效分析

非正规金融在我国发展迅猛,已经引起理论界的高度关注。作为一种制度安排,非正规金融具有资源配置效应、资本积累效应、经济增长效应、竞争引致效应等经济效率和制度效率,但同时其自身的内在缺陷又影响了其效率的发挥,因此,必须引导和规范非正规金融的发展。

The Performance of China's Informal Finance

Informal finance has become one of the hottest topic in theoretical circle.As an arrangement of system, informal finance has the system efficiency and the following economic efficiencies：effect of financial resource allocation, the effect of capitals accumulation, the economic growth effects and competition effects.But its own inherent defects also affect these efficiencies, so we must guide and regulate the development of informal finance.