基于登记制度的民间借贷阳光化路径探析  

An Analysis of the Approaches to Bring Private Lending into the Open based on A Registration System

作　　者：刘海应[1] 蒲舟军[1] 王含笑[1] 

机构地区：[1]中国人民银行舟山市中心支行,浙江舟山316000

出　　处：《上海金融》2012年第6期108-110,119,共3页Shanghai Finance

摘　　要：民间借贷在我国的存在有着很深的社会基础和积极意义。民间借贷的合理化发展有利于打破我国长期以来由金融机构垄断的信贷市场格局,促进多层次信贷市场体系的形成。但目前,民间借贷在运行中还存在着较多问题,以建立登记制度为突破口,以激励和约束并存的规范机制为导向,使民间借贷阳光化,步入正规监管体系中,是可行的制度选择。The private lending in China is deeply rooted in the society and of positive significance. The rational development of private lending is conducive to the formation of a multi-layered credit market by restructuring China's rigid credit market being dominated by the financial institutions for so long. Yet problems still exist presently in the operation of private lending. A feasible institutional option could be incorporating private lending into the regulatory system, which starts from registration system guided by the regulatory mechanism consisting of incentives and constraints.

关 键 词：民间借贷 阳光化 登记制度 

分 类 号：K23[历史地理—历史学]