民间融资风险与支付市场监管关系研究——以陕西省榆林市为例  

The Study on the Relationship between the Informal Financing Risks and the Payment Market Supervision——A Case of Yulin City of Shaanxi Province

作　　者：刘向明[1] 童领 孙宇[1] 

机构地区：[1]中国人民银行榆林市中心支行,陕西榆林719000

出　　处：《西部金融》2015年第9期65-68,共4页West China Finance

摘　　要：本文以民间融资与支付市场之间关联度的视角,以陕西榆林民间融资风险演变过程为例,通过对榆林市近十年支付系统跨行清算资金流量、流向和民间融资数据的分析,认为民间融资与支付市场存在着主体关联、资金关联、风险关联、政策关联。提出完善特殊政策、扩大账户管理范围,完善支付系统的建议。From the perspective of the correlation between the informal financing and the payment market and taking the evolu-tion process of the informal financing risks in Yulin of Shaanxi as the example, the paper analyzes the amount and direction of the clearing capital through the inter-bank payment system as well as the data of the informal financing in Yulin in nearly a decade of years, and thinks that there exist the links between the informal financing and the payment market on such aspects as subjects, capitals, risks and policies etc. Finally, the paper puts forward some suggestions like perfecting the special policies, expanding the scope of the account management and perfecting the payment system.

关 键 词：民间融资 支付市场 金融风险 

分 类 号：F830.31[经济管理—金融学]