偏好、信用与机会主义:个体私营经济结算工具选择

Preference, Credit and Opportunism: The Settlement Instruments for Private Business

本文通过典型调查 ,对我国个体经营者和私营企业支付结算工具的需求与使用现状进行了实证分析 ,证明了企业结算渠道选择、现金交易比例与企业类型及经营规模等因素有关。研究发现 ,个体私营经济存在显著的现金支付偏好 ,其制度性原因在于社会信用低下和个体私营经营者在一定程度上存在的机会主义倾向。根据这些因素 ,本文在信用制度和结算工具供给两方面提出了相应政策建议。

This paper gives the statistics descriptive and empirical analysis on the settlement instruments, such as check, draft, remittance, which are used by small private enterprises and households in China. The result shows that cash are still the main instrument used in their business settlement. It also indicates that type of transaction units and sales volume is statistically and economically important in the choice of settlement. Some explanations are given for the cash preference. Finally, it is concluded with improving settlement instruments on both demand side and supply side.