非正规金融违规借贷的成因分析——基于文献调查  

Cause Analysis of Informal Financial Illegal Lending in China—A Literature Survey Research

作　　者：王霄[1] 刘得心[1] 郭海莹[1] 

机构地区：[1]暨南大学管理学院,广东广州510632

出　　处：《改革与战略》2013年第8期70-72,124,共4页Reformation & Strategy

基　　金：国家自然科学基金(项目编号:70872039);广东省自然科学基金(项目编号:S2011010002561)

摘　　要：近年来,非正规金融违规借贷广泛存在,其涉及地域广、行业多、影响范围广。文章基于成因分析的结果上,对2011年110起非正规金融违规借贷案例加以检验分析,得出高利贷、私营企业融资供不应求以及金融体制不健全是导致借贷纠纷最主要的原因。因此,规避高利贷行为、拓宽私营企业融资渠道、加强金融监管是引导非正规金融健康发展的有效措施。In recent years, the informal financial illegal lending widely exists in many regions and affects many industries and causes a lot of victims. Based on cause analysis, this article tested 110 borrowing disputes in informal financial market of 2011, concluded that the usury, the private enterprise financing in short supply and imperfect financial system are the main reasons of borrowing disputes. Therefore, circumvent the usury behavior, broaden the financing channels of private enterprise, strengthen financial regulation are the effective measures to guide the healthy development of informal finance.

关 键 词：非正规金融 高利贷 借贷纠纷 

分 类 号：F832.5[经济管理—金融学]