互联网金融的农村延伸与激励性制度回应

发布时间：2018-03-16 04:32

  本文选题：农村金融　切入点：互联网金融　出处：《安徽大学学报(哲学社会科学版)》2017年05期 　论文类型：期刊论文

【摘要】：通过具体考察发现,农村市场上多元化格局的互联网金融是市场主体的自然选择,具有非抑制性和市场自发性的特点,以此构成了与传统农村金融的天然区别,这决定了其制度变迁模式应该是诱致性制度变迁模式。法学和经济学的相关理论都认为法律制度具有激励功能,金融制度就是一个典型。而农村市场的互联网金融的发展面临着模式合法性风险、服务能力有限、可持续能力不乐观、安全性风险等多种瓶颈制约,这需要发挥金融制度的激励功能。可采用正激励和负激励两个维度来构建一个基本制度框架,具体表现为最大限度尊重市场选择、尽可能降低交易成本和差别化监管金融风险。
[Abstract]:Through specific investigation, it is found that Internet finance with diversified pattern in the rural market is the natural selection of the main body of the market, and has the characteristics of non-inhibition and market spontaneity, which constitutes the natural difference between the Internet finance and the traditional rural finance. This determines that the model of institutional change should be induced institutional vicissitude. The relevant theories of law and economics both think that the legal system has the function of motivation. The financial system is a typical one. The development of Internet finance in the rural market is faced with the risks of model legitimacy, limited service capacity, low sustainability, security risks, and so on. Two dimensions of positive incentive and negative incentive can be adopted to construct a basic institutional framework, which can be manifested as follows: respecting market choice to the maximum extent, reducing transaction cost and differential financial risk.
【作者单位】： 重庆大学法学院;
【基金】：2014年国家社科基金重大项目(14ZDB148) 2016年司法部国家法治与法学理论研究项目(16SFB2039) 2017年重庆大学中央高校基本科研业务费跨学科项目(2017CDJSK08XK12)
【分类号】：D922.28
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本文编号：1618369