鄂尔多斯民间借贷利率定价及社会运行机制分析  

Study on Interest Rate Pricing and Social Operating Mechanism of Private Lending of Erdos

作　　者：徐慧贤[1] 

机构地区：[1]内蒙古财经大学金融学院,内蒙古呼和浩特010070

出　　处：《财经理论研究》2015年第1期70-78,共9页Journal of Finance and Economics Theory

基　　金：教育部人文社会科学研究项目(13YJA850019);"内蒙古自治区高等学校创新团队发展计划"支持项目

摘　　要：利率水平的确定是民间借贷市场的核心问题,面对高企利率,借助何种力量使得借贷双方能够继续进行交易是民间借贷市场的关键问题。本文以鄂尔多斯民间借贷为考察对象,深入分析民间借贷利率定价因素,指出资金供求矛盾、利率管制、市场分割及高风险是造成鄂尔多斯民间借贷利率高企的主要原因;信誉机制、信任机制、抵押担保机制及惩罚机制是民间借贷运行的社会机制,最后提出规范和引导民间借贷健康发展的措施。The determination of interest rate is core and whether the borrowers and lenders can contin- ue trading is also crucial when facing high interest rate in the private lending market. By investigated into private lending market of Erdos, we analyzed the pricing factors of interest rate----including capital demand and supply contradiction, interest rate control, market segmentation and high risk. On the other hand, the reputation, trust, mortgage and punishment are the social operating mechanism. At last, we put forward the conclusions and policy recommendations.

关 键 词：民间借贷 利率定价 社会运行机制 重复博弈 

分 类 号：F832.4[经济管理—金融学]