民间非正规金融的内生、演变及规范  

On Private Non-Formal Financial Firms and it Normalization

作　　者：顾海峰[1] 蔡四平[2] 

机构地区：[1]东华大学旭日工商管理学院,上海200433 [2]湖南商学院财政金融学院,湖南长沙410082

出　　处：《开放导报》2013年第5期109-112,共4页China Opening Journal

基　　金：国家社科基金项目(项目批准号:09BJY109);教育部人文社会科学研究青年基金项目(项目批准号:11YJC790051);中国博士后科学基金项目(20090450683);中央高校基本科研业务费专项资金项目(11D10827)

摘　　要：文章分析了民间非正规金融的内生机理以及演变逻辑,认为商业银行对中小企业实施信贷配给机制,是民间非正规金融介入的内生契机,是诱致性制度变迁的结果,应从市场行为、监管体系、信用环境、市场准入与退出机制、风险防控机制等方面,设计规范民间非正规金融发展的创新路径,引导我国民间非正规金融的健康发展。As an important supplement to formal financial and important financial support for SME financing, the formation of the Wenzhou private lending crisis, it is sufficient to show the importance of civil informal finance development. To civil informal finance as the starting point, This paper analysizes the mechanism to civil informal financee existing, based on which it analysizes the theory idea of civil informal finance development, on which it designs the reformation channels to regulating civil informal finance development, which will possess important theoretical and practical significance for China financial government department to reinforce policies to regulating civil informal finance development.

关 键 词：民间非正规金融 内生机理 演变逻辑 规范路径 

分 类 号：F832.4[经济管理—金融学]