商业研究
商業研究
상업연구
Commercial Research
2015年
5期
100~105
,共null页
非正规金融 合会 地下钱庄 博弈
非正規金融 閤會 地下錢莊 博弈
비정규금융 합회 지하전장 박혁
informal finance; Rotating Savings and Credit Associations; underground lending; game
非正规金融是正规金融体系的有效补充,但也潜藏着巨大的风险,对金融市场秩序乃至国家宏观调控产生干扰。本文采用博弈矩阵对合会与地下钱庄两种非正规金融组织的风险进行系统分析,得出非正规金融潜在风险的影响因素,并据此提出规避非正规金融机构潜在风险的建议。
非正規金融是正規金融體繫的有效補充,但也潛藏著巨大的風險,對金融市場秩序迺至國傢宏觀調控產生榦擾。本文採用博弈矩陣對閤會與地下錢莊兩種非正規金融組織的風險進行繫統分析,得齣非正規金融潛在風險的影響因素,併據此提齣規避非正規金融機構潛在風險的建議。
비정규금융시정규금융체계적유효보충,단야잠장착거대적풍험,대금융시장질서내지국가굉관조공산생간우。본문채용박혁구진대합회여지하전장량충비정규금융조직적풍험진행계통분석,득출비정규금융잠재풍험적영향인소,병거차제출규피비정규금융궤구잠재풍험적건의。
Informal finance is an effective supplement of formal financial system, but it also has many financial risks, affecting the health of the whole financial system, and harming national macroeconomic control. By game analysis of two types of informal finance ： rotating savings and credit associations （ROSCA） and underground lending, certain influence factors of potential risks of informal finance have been concluded. At last, certain feasible solutions to mitigate potential risks of informal finance have been addressed.
