我国民间金融发展规范边界研究  

Study on the Normative Development Boundary of Civil Finance in China

作　　者：张希慧[1] 

机构地区：[1]湖南大学金融学院,湖南长沙410079

出　　处：《财经理论与实践》2009年第1期26-29,共4页The Theory and Practice of Finance and Economics

摘　　要：民间金融与正规金融机构有十分明确的边界。在中小规模资金融资领域,与正规金融相比,民间金融在信息成本、谈判成本以及实施监督成本等方面具有比较优势。但随着民间金融规模的增大,它在交易成本方面的比较优势将逐渐减弱、乃至丧失。对民间金融不能一味采取打压的政策,而应根据民间金融的比较优势规范其合理的发展边界。There is distinct boundary between civil finance and formal finance. Comparing to formal finance, civil finance has comparative advantage in small and medium size financing, mainly on information cost, negotiation cost, regulation cost, and so on. As the size of civil financing increases, the comparative advantage on trading cost will gradually diminish or even disappear. Policy should not always provide pressures to.civil finance, but regulate the proper boundary according to the comparative advantage of civil finance.

关 键 词：民间金融 交易成本 边界 

分 类 号：F832.39[经济管理—金融学]