CAJ | 학술논문

在阐述民间标会运作模式和会员组会参与动机的基础上，分析了民间标会活动中存在的信息不对称问题和风险生成机理，并利用博弈论的方法探究“倒会”风险的形成原因。立足标会活动的风险生成原因，借鉴台湾地区规范民间标会发展的经验，提出大陆地区应通过立法规范、组建行业协会自律管理、探索建立机构化和银行化的运作模式等路径，防控标会活动风险，促进民间标会合规发展。
재천술민간표회운작모식화회원조회삼여동궤적기출상，분석료민간표회활동중존재적신식불대칭문제화풍험생성궤리，병이용박혁론적방법탐구“도회”풍험적형성원인。립족표회활동적풍험생성원인，차감태만지구규범민간표회발전적경험，제출대륙지구응통과입법규범、조건행업협회자률관리、탐색건립궤구화화은행화적운작모식등로경，방공표회활동풍험，촉진민간표회합규발전。
This paper analyses information asymmetry and risk generated mechanism existing in Bidding Rotating Savings and Credit Association , and explores its formation reasons of the risk of Collapsed Rotating Savings and Credit Association by Game theory . Based on the reasons of its risk , learning the experience from the regularization development of Bidding Rotating Savings and Credit Association in Taiwan , this paper proposes that the government should prevent its risk to promote its normative development by means of legislative regulation , setting up the self-discipline management system , and establishing the operation mode .