将“灰色金融”阳光化——对恩施州258户农民家庭民间借贷的调查与思考  

Shining "Gray Finance"——An Investigation and Thought of Folk Loans of 258 Farmer families in Enshi

作　　者：陈志刚[1] 桂立[2] 

机构地区：[1]中南民族大学经济学院,湖北武汉430074 [2]中南民族大学思想政治教育学院,湖北武汉430074

出　　处：《中南民族大学学报（人文社会科学版）》2009年第4期118-123,共6页Journal of South-Central Minzu University (Humanities and Social Sciences)

基　　金：国家社会科学基金项目"金融发展与收入分配:理论和中国的实证"(07BJL020);湖北省社会科学基金项目"金融发展与湖北城乡收入差距研究"(2007074)

摘　　要：运用社会调查统计分析法、经济分析方法,并结合恩施州258户农民家庭2006-2007年的调查数据资料,从民间借贷金额、对象、利率、期限、用途、效果、还款情况和信用基础角度,对民族农村地区民间借贷市场的基本特征、运行规律、信用状况进行总体描述。在此基础上,针对民间借贷缺乏明确的法律保障、存在潜在的金融风险等问题,提出旨在将"灰色金融"阳光化、规范发展民间借贷市场的若干政策建议。By social investigation statistics analytical ＆ economic analytical method, based on investigation data （2006-2007） of 258 farmer families＇ folk loan in Enshi, and from the angle of amount, lender, interest rate, term, purpose, effect, repayment and reputation situation, the paper gave a general description on the basic characteristics, movement law and reputation condition of folk loan market in the minority nationality village. On this basis, to solve the problems such as the lack of explicit law guarantee and latent financial risk, we put forward some policy suggestion to shine gray finance and develop normally folk loan market.

关 键 词：民间借贷 正规金融 灰色金融 信用基础 金融风险 

分 类 号：F327.63[经济管理—产业经济]