网络金融、制度变迁与经济绩效

发布时间：2017-12-28 06:08

本文关键词：网络金融、制度变迁与经济绩效　出处：《科学经济社会》2016年02期 　论文类型：期刊论文

【摘要】：文章以新制度经济学理论为基础,从全新的视角探讨了网络金融在当代中国经济发展中的重要作用。文章认为网络金融不仅能够为中国经济提供巨大规模递增效应,而且通过推动资本租赁价格与投资者偏好的改变引发了中国金融制度深刻嬗变,即由汲取性金融制度向包容性金融制度变迁,以确保新的制度均衡有利于潜在经济绩效的实现。一系列非正式约束的改变与正式规则的建立能够有效调动资源和促进实体经济发展,均启示着国家如何采取政策措施以成为在非人际关系化交换条件下从网络金融市场中获取收益的复杂契约实施有效监督的"第三方",将是中国经济能否进一步腾飞的一个重要因素。
[Abstract]:Based on the theory of new institutional economics, this paper discusses the important role of network finance in the economic development of contemporary China from a new perspective. The article believes that the Internet can not only increase the effect of financial China economy provides huge scale, but also through the promotion of capital rental price and investor preference change raises the China financial system by the absorption of the profound evolution, the change of financial system to the inclusive financial system, to ensure the system balance is beneficial to realize the potential economic performance. The establishment of a series of changes in the formal rules and informal constraints can effectively mobilize resources and promote the development of the real economy, which implies the country to take policy measures to be to obtain benefits from the network financial market in non interpersonal exchange under the condition of complicated contract effective supervision of "third party", will be an important factor further development can China economy.
【作者单位】：江苏科技大学经济管理学院;
【基金】：江苏科技大学博士人才引进科研启动项目“网络金融、制度变迁与经济绩效”的阶段性研究成果
【分类号】：F724.6;F832.1
【正文快照】： 一、引言网络金融1是使用互联网技术跨期配置稀缺资源的一种金融制度创新,它不仅扩大了传统金融体系的范围,而且提高了金融体系的资金配置效率。网络金融一方面填补了传统金融体系无法满足大量的中小企业融资服务和个人消费金融服务的空白,另一方面通过网络技术顺利实现了民间

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