民间借贷危机的传染路径与效应研究  

Contagion Path and Effect of Private Lending Crisis

作　　者：彭志雄 PENG Zhixiong

机构地区：[1]中共邵阳市委党校经济教研部,湖南邵阳422000

出　　处：《商业经济》2024年第7期165-172,共8页Business & Economy

基　　金：国家社科基金项目:新常态下民间借贷危机的形成机理及治理路径研究(16BJL068)。

摘　　要：2010年以来,随着国家政策鼓励与司法松绑,我国民间借贷发展进入“快车道”,各种形式民间借贷机构呈井喷式涌现,但因监管和信用约束缺失、项目高风险、借款人道德风险、出借人普遍存在刚性兑付预期等因素致使民间借贷领域风险不断积聚,并最终爆发多起民间借贷危机。以2010年以来发生在我国的多起民间借贷危机为研究对象,基于金融危机传染理论,深入探究我国民间借贷危机传染的特点,传染的载体、路径及传染效应等民间借贷危机传染的内在机理,可为构建阻断民间借贷危机传染的控制机制提供必要的理论依据。With the encouragement of national policies and judicial loosening since 2010,the development of China's private lending has entered the fast lane,and various forms of private lending institutions have emerged in a blowout manner.However,due to the lack of supervision and credit constraints,high risk of projects,moral hazard of borrowers,and rigid payment expectations of lenders,risks in the field of private lending continue to accumulate.And eventually a number of private lending crisis broke out.Taking many private lending crises in China since 2010 as the research object,based on the theory of financial crisis contagion,the study in depth explores the characteristics and the internal mechanism of private lending crisis contagion in China,such as contagion carriers,paths and effects,which can provide necessary theoretical basis for the construction of a control mechanism to block the contagion of private lending crisis.

关 键 词：民间借贷危机 危机传染 传染路径 传染效应 

分 类 号：F832.4[经济管理—金融学] F832.59