我国典当业的性质及可持续性研究

On the Pawnbrokins in China

本文从典当业生成发展的历史出发,探讨当代我国典当业的性质定位及可持续发展问题,得出如下结论:作为特殊的金融行业,典当业不仅具有金融中介属性,还有商品销售属性、资产置换属性和商品保管属性;典当定位于非正规金融的一种,但是正处于非正规金融向正规金融转化的时期。在影响典当业可持续发展的因素中,社会维度的因素是其存在的基础,政府维度是其促进条件,典当行为维度是其持续经营的根本。在我国当前来看, 对典当合约定价的能力的提高及对政府过度监管的改善应是下一步发展的重点。

This paper analyzes the history, characteristic and sustainability of pawnbroking industry in China. Conchsions are as follows： as a special financial industry, the pawnbroking not merely has attribute of financial intermediary, but also has attribute of merchandise sales, assets replacement and goods keeping. Pawnshop is deemed to be a kind of informal financial institutions and is now in the term of transition in China. The sustainability of pawnbroking in China depends on the improvement of assets- price ability and the deregulation.