摘要
民间金融与正规金融的关系在不同的经济体制下是不同的。新中国民间金融与正规金融关系处于"对立关系→补充关系→竞争关系→对立关系→补充关系"的演化流程中。当前理论界所探讨的民间金融与正规金融的竞争关系,将导致民间金融突破原有的领域,产生巨大的金融风险。理论界与实务中探索的民间金融与正规金融的合作关系,有可能将使民间金融的比较优势丧失,正规金融风险以及社会风险增加,应当审慎对待。在我国,民间金融是正规金融的补充,这是民间金融的优势所在,也是其具有合法性的政策边界。
The relationship between licensed and unlicensed finance varies according to different economic regimes.In China,there is a evolutional process of＂collision→supplement→competiti on→collision→supplement＂.The competition relationship currently discussed by the academia may cause the unlicensed finance to make a breakthrough in previous realm,resulting in enormous financial risk.The cooperation relationship may deprive the unlicensed finance of comparative advantages,enhancing risks in licensed finance and social risk,which requires caution.The relationship of supplement is to give play to advantages of the unlicensed finance,also to endow it with legitimate policy frontier.
出处
《福建江夏学院学报》
2015年第4期1-8,共8页
Journal of Fujian Jiangxia University
基金
国家社科基金项目(12BFX132)
福建省教育厅中青教师教育科研项目(JA13324S)
关键词
民间金融
正规金融
对立关系
补充关系
竞争关系
合作关系
unlicensed finance
licensed finance
relationship of collision
supplement
competition
cooperation
