CAJ | 학술논문

通过对福建省福清市的调查，获取三个民间借贷典型违约案例与30个标会案例，通过对案例分析，基于借款人还款意愿与还款能力的视角，认为借款人的道德风险越高、投资行业过于集中、融资期限越长、融资金额越大、参与人数越多、利息率越高，则民间借贷信用风险也越高。最后，基于政府决策层面，提出控制民间融资风险的相关政策建议。
통과대복건성복청시적조사，획취삼개민간차대전형위약안례여30개표회안례，통과대안례분석，기우차관인환관의원여환관능력적시각，인위차관인적도덕풍험월고、투자행업과우집중、융자기한월장、융자금액월대、삼여인수월다、이식솔월고，칙민간차대신용풍험야월고。최후，기우정부결책층면，제출공제민간융자풍험적상관정책건의。
The paper analyzes three representative cases of the inform al loan and thirty cases of biaohui though the survey in Fuqing,Fujian. B ased on the perspective of ability or w illingness to repay of borrow er, the paper considers that the higher m oral risk of borrow er. The m ore concentrated of investm ent industry, the longer term of financing.The larger the am ount of financing,the larger num ber of participants and the higher interest rate.That w ill lead to higher credit risk of inform al loan.Then,from the angle of the governm ent,the paper puts forw ard the m easures to control the risk of inform al loan.