CAJ | 학술논문

文章归纳了正规金融机构与民间金融机构在信贷业务方面的比较优势，构建了基于双方比较优势的Lo-gistic增长模型来研究民间金融机构与正规金融机构信贷资金增长规律及两类金融机构共同发展的平衡点及其稳定性。结果表明：在正规金融与民间金融都拥有比较优势的情况下，两类金融机构均衡发展的稳定平衡点是唯一的，双方将各占有与自身条件相适应的信贷资金数量，并且这一信贷资金数量与金融机构对其他金融机构的影响程度正相关。
문장귀납료정규금융궤구여민간금융궤구재신대업무방면적비교우세，구건료기우쌍방비교우세적Lo-gistic증장모형래연구민간금융궤구여정규금융궤구신대자금증장규률급량류금융궤구공동발전적평형점급기은정성。결과표명：재정규금융여민간금융도옹유비교우세적정황하，량류금융궤구균형발전적은정평형점시유일적，쌍방장각점유여자신조건상괄응적신대자금수량，병차저일신대자금수량여금융궤구대기타금융궤구적영향정도정상관。
This paper summarized the comparative advantages of informal financial institutions and formal finan-cial institutions in the credit business .A logistic grow th model of common development based on comparative advantages is established to study the credit growth rules and stability of the equilibrium points between the two types of financial institutions .The result shows that when formal finance and informal finance both have comparative advantages ,the stable equilibrium point of the balanced development of the two institutions is u-nique .And the two types of financial institutions will each occupy a number of credit funds suitable for their own conditions ;there is a positive correlation between the number of credit funds and the influence coefficient of one financial institution to another .