作　　者： ;

机构地区： 中山大学岭南学院

出　　处： 《广东金融学院学报》 2005年第2期46-50,共5页

摘　　要： 农村民间金融在改革开放后重新出现和发展,相对于传统的计划经济是一种制度创新;农村民间金融作为一项新的制度安排,其产生和发展是制度供求作用的结果;民间借贷的存在和发展,具有合约基础。 China takes a negative attitude towards informal lending in the past. Nevertheless, the existence of informal lending in different levels of China's economy can not be denied, especially in the extensive agricultural area. This proves that there is certain reason for informal lending's existence and development. Through establishing simply structural model, forming policies for lender and borrower, this paper explains the possibility of loan payback in the lack of coerce contracting force. Through the discussion of theoretical model, contracting base can be observed in informal lending. This explains the economical reason of informal lending's existence.

关 键 词： 中国 民间借贷 合约基础 制度创新 农村 供求作用 经济解释

领　　域： [经济管理]