民间借贷供求均衡分析及其风险管理  

Equilibrium of Supply and Demand of Private Lending and Management of Its Risk

作　　者：修丕师[1] 

机构地区：[1]重庆交通大学管理学院,重庆400074

出　　处：《重庆交通大学学报（社会科学版）》2013年第1期58-60,65,共4页Journal of Chongqing Jiaotong University:Social Sciences Edition

摘　　要：金融市场为实体经济的前进提供"润滑剂"和"原动力"的作用,实体经济的发展依赖于金融市场的稳定。从我国当前经济形势出发,分析我国民间借贷市场的形成原因、潜在风险以及对实体经济所产生的影响。从民间借贷资金供求均衡和资本市场风险收益关系着手,试图寻找影响民间借贷风险的各个因素,控制这些影响因素使民间借贷市场的供求均衡水平发生移动,从而有效控制民间借贷的规模总量和风险水平。The financial market provides ＂lubrication＂ and ＂motive power＂ for the development of the real economy,the development of the real economy is depending on the stability of the financial markets.Based on the current economic situation in China,China＇s private lending market,the potential risks as well as the impact on the real economy are analyzed.Based on the equilibrium of the supply and demand of private lending market and capital market risk-return analysis,various factors that affect the risk of private lending are found.To control these factors to make the equilibrium level of supply and demand of the private lending market move is to control the total amount of the private lend and the level of the risk.

关 键 词：民间借贷 供求均衡 风险收益 

分 类 号：F832.4[经济管理—金融学]