山东工商学院学报
山東工商學院學報
산동공상학원학보
Journal of Shandong Institute of Business and Technology
2005年
6期
29~34
,共null页
非正规金融 信息不对称 金融改革
非正規金融 信息不對稱 金融改革
비정규금융 신식불대칭 금융개혁
informal finance ; information asymmetry; financial reform
通过对非正规金融的概念、类型、规模、形成原因、市场利率等方面的梳理,指出非正规金融的产生适应经济发展的内在要求,具有客观必然性.非正规金融的高利率在一定程度上是放贷风险的补偿,同时也是对正规金融官僚体制低效率的制度适应.
通過對非正規金融的概唸、類型、規模、形成原因、市場利率等方麵的梳理,指齣非正規金融的產生適應經濟髮展的內在要求,具有客觀必然性.非正規金融的高利率在一定程度上是放貸風險的補償,同時也是對正規金融官僚體製低效率的製度適應.
통과대비정규금융적개념、류형、규모、형성원인、시장리솔등방면적소리,지출비정규금융적산생괄응경제발전적내재요구,구유객관필연성.비정규금융적고리솔재일정정도상시방대풍험적보상,동시야시대정규금융관료체제저효솔적제도괄응.
The article focuses on the concept, types, scales, forming reasons and high interest rates of informal finance, it points out that informal finance is of great importance to the economic development and it is inevitable. The high interest rate of informal finance is the compensation of the lenders risk in a certain extent and it is also the institutional adaptation to the low efficiency of bureaucracy system of formal finance.
