改革
改革
개혁
Reform
2011年
4期
55~59
,共null页
正规借贷 非正规借贷 合约分析
正規藉貸 非正規藉貸 閤約分析
정규차대 비정규차대 합약분석
formal credit; informal credit; contract analysis
运行有效的借贷合约要处理好合约中的甄别、激励、监督与合约履行机制问题。由于信息获取、借贷合约设计与履行均要花费成本,则不同贷款人依据自身特征、信息禀赋状况等,对借贷合约中的甄别、激励、监督和合约履行问题实施不同的策略,这便构成了正规与非正规借贷合约的微观差异基础。其启示意义在于：将这两部门的比较优势综合起来,可以得出深化、整合农村信贷市场的策略。
運行有效的藉貸閤約要處理好閤約中的甄彆、激勵、鑑督與閤約履行機製問題。由于信息穫取、藉貸閤約設計與履行均要花費成本,則不同貸款人依據自身特徵、信息稟賦狀況等,對藉貸閤約中的甄彆、激勵、鑑督和閤約履行問題實施不同的策略,這便構成瞭正規與非正規藉貸閤約的微觀差異基礎。其啟示意義在于：將這兩部門的比較優勢綜閤起來,可以得齣深化、整閤農村信貸市場的策略。
운행유효적차대합약요처리호합약중적견별、격려、감독여합약리행궤제문제。유우신식획취、차대합약설계여리행균요화비성본,칙불동대관인의거자신특정、신식품부상황등,대차대합약중적견별、격려、감독화합약리행문제실시불동적책략,저편구성료정규여비정규차대합약적미관차이기출。기계시의의재우：장저량부문적비교우세종합기래,가이득출심화、정합농촌신대시장적책략。
An effective credit contract must deal with screening,incentive,monitoring and enforcement mechanism.Because there is expenditure on information acquisition,contract design and enforcement,various types of lenders carry out different strategies to the above dealings according to their personal characteristics,endowment of information and so forth,which forms the micro-difference basis of formal and informal credit contract.The enlightenment would be that synthesizing the comparative advantages of the two finance sectors together,we can obtain the important strategies to deepen and integrate rural credit market.
