论民间金融的边界

要解决中小企业融资难问题需要界定民间金融与正规金融的边界。通过将社会网络关系引入民间金融模型,揭示民间金融中行为人的行动逻辑,证明在特定的网络范围内,民间金融能够满足行为人的融资需求。进而,将正规金融引入模型界定民间金融和正规金融的边界,证明在中小规模融资中,民间金融存在成本优势。

The Range and Boundary of Informal Finance

To solve difficulty of small medium-sized enterprises in fund-raising,it is necessary to define the conceptions between informal finance and formal finance.Through introducing social network relationship into informal finance to reveal people＇s behavior logic in informal finance,the fact that informal finance can satisfy people＇s demand for fund-raising can be proved in given network bound.Then,model of introducing formal finance to define the ambit between informal finance and formal finance to prove informal finance has cost advantage in small and medium scale financing.