CAJ | 학술논문

以温州为代表的民间借贷危机的发生,折射出我国金融体制方面的制度性问题。金融压抑是民间借贷危机的根本原因,银行大企业集团等参与民间放贷对危机发生推波助澜,紧缩的货币政策是民间借贷危机爆发的导火索。金融深化是化解民间借贷危机的根本途径。民间借贷危机爆发,也倒逼金融体制要加快改革步伐,现在到了该放开金融领域进入和利率管制,打破现有银行垄断体制,建立由市场资金供求决定各种利率水平的市场利率体系的时候了。
이온주위대표적민간차대위궤적발생,절사출아국금융체제방면적제도성문제。금융압억시민간차대위궤적근본원인,은행대기업집단등삼여민간방대대위궤발생추파조란,긴축적화폐정책시민간차대위궤폭발적도화색。금융심화시화해민간차대위궤적근본도경。민간차대위궤폭발,야도핍금융체제요가쾌개혁보벌,현재도료해방개금융영역진입화리솔관제,타파현유은행롱단체제,건립유시장자금공구결정각충리솔수평적시장리솔체계적시후료。
The private lending crisis that happened in Wenzhou reflects the institutional problems of the China＇s financial system. Financial repression was the root cause of the crisis of private lending; at the same time bank group and other large enterprises participated in the private lending, which contrib- uted to the occurrence of the crisis. Tight monetary policy is the fuse of the private lending crisis. Finan- cial deepening is the fundamental way to resolve the private lending Private lending crisis has also forced the financial system must accelerate the pace of reform. Now it is the time to open the access to the financial sector and interest rate controls, break the existing monopoly of banking system, and establish the market interest rate system determined by the market capital supply and demand of various interest rates.