摘要
阐述了民间金融在我国广泛存在的现状,并在现代制度经济学关于交易成本理论的分析框架内,就民间金融与正规金融的交易成本进行了具体比较,结果表明,由于中小企业自身的特点使得其在通过正规金融渠道融资时,交易双方都要为此承担高昂的交易成本,相比而言,民间金融在降低金融交易成本方面具有明显的优势,这种低成本交易的优势正是民间金融广泛存在的根本原因。
The thesis gives a description of the present situation of the Informal Finance which is widespread existing in our country. And compares the informal finance with the formal finance in accordance with the fransaction Costs Theory, the Modem Institutional Economics. It indicates that both sides in the Formal Finance have to pay high transaction costs. In contrast with that, the informal finance is beneficial to save the transaction costs. This advantage is the real reason of the common existence of the informal finance.
出处
《红河学院学报》
2007年第5期57-61,共5页
Journal of Honghe University
关键词
民间金融
正规金融
交易成本
informal finance
formal finance
transaction costs
