民间标会的风险生成机制与风险防控探究——兼议民间标会的规范化发展路径  

Rotating Savings and Credit Association:Its Risk Generated Mechanism and Risk Control

作　　者：潘永昕[1] 陈胤求 

机构地区：[1]兰州大学经济学院,甘肃兰州730000 [2]南开大学经济学院,天津300071

出　　处：《西北师大学报（社会科学版）》2013年第6期133-139,共7页Journal of Northwest Normal University(Social Sciences)

基　　金：国家社会科学基金项目"统筹区域发展战略背景下西部区域发展‘自生能力’研究"(07BJL056);兰州大学中央高校基本科研业务费专项资金自由探索项目"西部地区省级金融差异发展研究"(13LZUJBWZY051)

摘　　要：在阐述民间标会运作模式和会员组会参与动机的基础上,分析了民间标会活动中存在的信息不对称问题和风险生成机理,并利用博弈论的方法探究"倒会"风险的形成原因。立足标会活动的风险生成原因,借鉴台湾地区规范民间标会发展的经验,提出大陆地区应通过立法规范、组建行业协会自律管理、探索建立机构化和银行化的运作模式等路径,防控标会活动风险,促进民间标会合规发展。This paper analyses information asymmetry and risk generated mechanism existing in Bidding Rotating Savings and Credit Association, and explores its formation reasons of the risk of Collapsed Rotating Savings and Credit Association by Game theory. Based on the reasons of its risk, learning the experience from the regularization development of Bidding Rotating Savings and Credit Association in Taiwan, this paper proposes that the government should prevent its risk to promote its normative development by means of legislative regulation, setting up the self-discipline management system, and establishing the operation mode.

关 键 词：民间标会 非正规金融 “倒会”风险 风险防控 

分 类 号：F830.39[经济管理—金融学]