期刊文献+

中国未观测信贷规模的变化:1978~2008年 被引量:116

The Changes in the Scale of Non-observed loan in China from 1978 to 2008
原文传递
导出
摘要 未观测信贷是民间金融、地下金融、住户内部借贷活动形成贷款余额。农户、私营企业和个体工商经济单位从正规金融机构获得正规贷款方面有一定困难,依靠民间借贷、非正规拆借成为解决资金困难的必然选择。从信贷需求角度测估中国未观测信贷规模,对于判断未观测贷款在国民经济运行中的作用及影响具有重要的意义。本文基于经济与金融发展理论,采用国民经济核算和金融统计分析方法,估测中国1978~2008年的未观测信贷规模,实证结果发现,未观测信贷规模变化反映出中国信贷市场供给主体变化的特征,也揭示出中小金融机构主体的不足,私营个体经济融资依然主要依赖未观测金融的现实,提出深化农村金融体制改革,进一步培育中小型金融机构,建设多层次信贷市场,加强对未观测金融的监测核算和监管的政策建议。 Non-observed loan (NOL) is the outstanding loan formed by informal financing, underground finan- cing and individuals lending and borrowing at a time point. Since it is difficult to get loans from formal financial institutions, farmers, private entrepreneurs and individual economic units mainly depend on informal money- lenders. In this paper, the author measures the scale of NOL from 1978 to 2008 by using the methods of SNA and financial statistics based on the theory of financial and economic development. The author also analyzes the changing trend of NOL and discloses the evaluation characters of credit market and the lacks of small and medi- um-sized financial institutions that made the informal financing develop quickly in supporting private enterprises and individual economic units financing. Finally, the author suggests pushing the reform of rural financial system and fostering small and medium-sized banks to form a multi-level credit market and strengthen the research on how to account and measure non-observed financing and the financial regulation on informal financial activities.
作者 李建军
出处 《金融研究》 CSSCI 北大核心 2010年第4期40-49,共10页 Journal of Financial Research
关键词 未观测金融 未观测信贷 规模 私营经济单位 non-observed finance, non-observed loan, scale, private economic unit
  • 引文网络
  • 相关文献

参考文献15

二级参考文献76

  • 1郭斌,刘曼路.民间金融与中小企业发展:对温州的实证分析[J].经济研究,2002,37(10):40-46. 被引量:465
  • 2姜旭朝,丁昌锋.民间金融理论分析:范畴、比较与制度变迁[J].金融研究,2004(8):100-111. 被引量:224
  • 3叶世昌.《中国金融通史》(第一卷)[M].中国金融出版社,2002..
  • 4樊纲.有关交易成本的几个理论问题[A].盛洪主编.现代制度经济学(下卷)[M].北京:北京大学出版社,2003.28.
  • 5Seibel,H.D.& Bishnu P.Shrestha, 1988: Dhikuti : The Small Businessman' s Informal Self- Help Bank in Nepal .Savings and Development (Milan) Vol. 12 No.2:183-200.
  • 6Hans Dieter Seibet, Informal Finance : Origins, Evolutionary Tren& and Donor Options, WAD Rural finance working paper series, No. A3.1999a ( Revised February 2000).
  • 7Hans Dieter Seibet & Helko Schrader, From Informal to Formal Finances: The Transformation of an Indigenous Institution in Nepal, WAD Rural finance working paper series, No, B4, August 1999b.
  • 8Dale Adams & Delbert Fitchett, Informal Finance in Low - Income Countries, Westview Press, 1992.
  • 9World Bank, Informal Financial Markets and Financial Intermediation in Four Aftican Countries, Findings: Mrica region,N0.79, January 1997.
  • 10Gemaiths Dimitri, Interlinking the Formal and Informal Financial Sectors in Developing Countrtries.Savings and Development. Volume XIV, No. 1,1990.

共引文献818

同被引文献939

引证文献116

二级引证文献968

;
使用帮助 返回顶部