摘要
通过对非正规金融的概念、类型、规模、形成原因、市场利率等方面的梳理,指出非正规金融的产生适应经济发展的内在要求,具有客观必然性。非正规金融的高利率在一定程度上是放贷风险的补偿,同时也是对正规金融官僚体制低效率的制度适应。
The article focuses on the concept, types, scales, forming reasons and high interest rates of informal finance, it points out that informal finance is of great importance to the economic development and it is inevitable. The high interest rate of informal finance is the compensation of the lenders risk in a certain extent and it is also the institutional adaptation to the low efficiency of bureaucracy system of formal finance.
出处
《山东工商学院学报》
2005年第6期29-34,共6页
Journal of Shandong Technology and Business University
关键词
非正规金融
信息不对称
金融改革
informal finance
information asymmetry
financial reform
