民间借贷信用风险影响因素分析——基于福建省福清市的调查

Analysis on Influence Factors of the Credit Risk in the Informal Loan——Based on the Investigation in Fuqing, Fujian

通过对福建省福清市的调查,获取三个民间借贷典型违约案例与30个标会案例,通过对案例分析,基于借款人还款意愿与还款能力的视角,认为借款人的道德风险越高、投资行业过于集中、融资期限越长、融资金额越大、参与人数越多、利息率越高,则民间借贷信用风险也越高。最后,基于政府决策层面,提出控制民间融资风险的相关政策建议。

The paper analyzes three representative cases of the informal loan and thirty cases of biaohui though the survey in Fuqing, Fujian. Based on the perspective of ability or willingness to repay of borrower, the paper considers that the higher moral risk of borrower. The more concentrated of investment industry, the longer term of financing. The larger the amount of financing, the larger number of participants and the higher interest rate. That will lead to higher credit risk of informal loan. Then, from the angle of the government, the paper puts forward the measures to control the risk of informal loan.