民间非正式金融借贷风险:传染、嬗变与控制  

Folk Informal Financial Lending Risk: Infection, Evolution and Control

作　　者：石涛[1] 

机构地区：[1]河南省社会科学院经济研究所,郑州450002

出　　处：《湖北经济学院学报》2017年第4期47-52,共6页Journal of Hubei University of Economics

基　　金：国家社科基金青年项目(15CSH040);河南省政府决策招标课题(2016B122);河南省社会科学院基本科研费课题(17E51)

摘　　要：利益和欲望、不对称信息、"互联网+"是借贷风险传染的核心要件,利率、信息是借贷风险传染的关键渠道,个体风险聚集和风险的社会渗透是民间非正式金融借贷风险传染的路径;借贷风险嬗变形式由封闭式借贷风险点式"孤岛"发展为面级串联式"孤岛",最终升级为球式借贷风险"孤岛"群。为此,需强化对以社会道德、集体惩罚等为主的点式"孤岛"内部控制,同时,逐步实现民间非正式金融借贷关系阳光化,建立以民间非正式金融借贷信用体系、借贷风险预警体系在内的区域民间非正式金融借贷风险控制体系,加大对球形"孤岛"风险的控制能力。The benefits and desires, the asymmetric information, the＂Internet plus＂are core elements of lending risk infection,and the interests, the information are key infection channel of lending risk, the individual risk aggregation and the risk social penetra-tion are infection path of lending risk. The closed lending risk＂isolated island＂, transform into the series＂isolated island＂, and to the globular＂isolated island＂group finally. Therefore, it is necessary to strengthen the internal control of the closed lending risk＂isolated island＂by the social moral and collective punishment, and transform the folk informal lending relationship into formal. Construct the regional folk lending risk control system, which core have the folk informal lending credit system and the lending risk warning system,and enhance the control ability to the globular＂isolated island＂risk.

关 键 词：民间非正式金融 借贷风险 传染机理 

分 类 号：F832.4[经济管理—金融学]