民间融资风险治理机制研究——以法律经济学为分析视角  

The Research on Risk Governance Mechanism of Private Financing——From the Perspective of Legal Economics

作　　者：王利宾[1] Wanɡ Libin

机构地区：[1]河南警察学院

出　　处：《河南社会科学》2019年第9期43-48,共6页Henan Social Sciences

基　　金：国家社会科学基金一般项目“法律经济学视阈下的民间融资刑法规制研究”(15BFX086);河南省高等学校哲学社会科学应用研究重大项目“河南省民间融资规制对策研究”(2016-YYZD-09)

摘　　要：民间融资的风险主要体现为:因信息不对称,资金出借方对融资中介和资金使用方缺乏监督、制约,由此引发道德风险;行政监管机关、刑事司法机关的强力介入使民间融资容易资金断链,由此引发经济风险、社会风险乃至政治风险。作为经济越轨现象,民间融资风险治理有其经济规律,在民间融资风险治理机制设计上,要遵循博弈理论,规范人的行为预期,进一步加大违法成本,压缩行为人的违法收益,努力将风险控制在一定范围和一定程度上,使民间融资朝更为理性的方向发展。The risk of private financing is mainly reflected in: because of the asymmetry of information, the lender of funds lacks supervision and restriction on financing intermediaries and the use of funds, which leads to moral hazard;the strong intervention of administrative supervision organs and criminal justice organs makes private financing easy to break the chain of funds, which leads to economic risk, social risk and even political risk. As a phenomenon of economic deviation, risk management of private financing has its economic law. In the design of risk management mechanism of private financing, we should follow the game theory, standardize people’s behavior expectations, further increase illegal costs, reduce the illegal income of the actors, control the risk to a certain extent and to a certain extent, so as to make the private financing develop in a more rational direction.

关 键 词：民间融资 风险成因 行为控制 

分 类 号：D9[政治法律—法学]