摘要
发薪日贷款在美国大行其道,其简单便利性使穷人也能够获得信贷服务;但是另一方面,由于借款人缺乏自控,不得不连续借贷,从而陷入债务危机,这也导致了政府监管的不断升级。经济学家对发薪日贷款是否改善借款人的福利进行了实证研究,找到了正反两方面的证据。发薪日贷款使我们认识到方便易得的信贷服务的两面性,对我国正在进行农村金融改革有重要的启示。
Payday loans are very popular in US. On the one hand, their convenience has enabled the poor to achieve credit services. On the other hand, as a result of lacking self-control, customers have to borrow continuously until they are immersed in debts. The US government has adopted more and more strict policies to regulate payday lenders. Economists have done some empirical analyses of whether payday loans can improve the welfare or not, but their findings are evidenced with pros and cons. Payday loans help us understand both the positive and negative effects of convenient credit services, which is a valuable enlightenment for China＇s rural financial reform.
出处
《国际经贸探索》
CSSCI
北大核心
2008年第5期74-78,共5页
International Economics and Trade Research
基金
上海财经大学研究生创新基金资助
关键词
发薪日贷款
连续借贷
金融监管
自控
payday loan
continuous borrowing
financial supervision
self-control
