| 民间借贷:理论、现实与制度重构 |
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| 引用本文： | 周素彦.民间借贷:理论、现实与制度重构[J].山西财经大学学报,2005,27(5):123-128. |
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| 作者姓名： | 周素彦 |
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| 作者单位： | 中央财经大学,金融学院,北京,100081 |
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| 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。
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| 关 键 词： | 民间借贷 交易费用率 边界 |
| 文章编号： | 1007-9556(2005)05-0123-06 |
| 修稿时间： | 2005年9月2日 |
People- to- People Credit: Theory, Reality and Restructuring |
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| ZHOU Su-yan.People- to- People Credit: Theory, Reality and Restructuring[J].Journal of Shanxi Finance and Economics University,2005,27(5):123-128. |
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| Authors: | ZHOU Su-yan |
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| Abstract: | 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 established.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. |
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| Keywords: | people-to-people credit transaction rate boundary |
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