中国民间金融利率 —信息经济学角度的再认识

摘要：

Informal finance, as we generally call it private finance, widely exists in China and greatly supports the development of China’s private-owned economy. This paper analyzes the past and present conditions of the informal finance, it also introduces the kinds of interests in the informal financial department and their relationships with the interest rate of formal finance, through which, we attempt to reveal the reasons of how to come into being and how to coexist of those interest rates from the perspective of information economics. At last, we foresee the tendency of the interest rates in the informal financial department in the future.

关键词： informal finance interest rates moral hazard adverse selection credit rationing usury

作者: 陈锋 董旭操

作者单位: 中央财经大学金融学院,北京,100081 复旦大学经济学院,上海,200433

会议类型: 国际会议

会议名称: 2005年中国国际金融年会

会议地点: 昆明

会议语种:中文

在线出版日期: 2005-07-05（万方平台首次上网日期，不代表论文的发表时间）