基于委托代理理论对民间借贷的研究

发布时间：2018-05-17 16:14

本文选题：民间借贷 + F721.4　；参考：《复旦大学》2014年硕士论文

【摘要】：借贷关系在人们生活中无处不在：小到个人的信用卡使用、房屋贷款,大到公司甚至政府的债务融资等行为都属于此。随着经济体制的进步和金融制度的完善,借贷关系作为金融制度里重要的组成部分也得到了极大的发展。在进入21世纪后,随着社会主义市场经济的改革逐渐深入,正规金融机构提供的信贷资金已远远不能满足市场融资的需求,这时以沿海经济发达地区为先驱,内陆地区依自身需要逐步建立并扩大规模的民间借贷体系逐渐发展并成熟。本文的研究在于运用了委托代理理论来研究借贷关系,借贷关系在本质上满足委托代理关系的若干性质,因此可以作为一种特殊的委托代理关系进行处理,从而可以运用委托代理模型加以分析。由于借贷关系尤其是民间借贷关系的复杂性,构建一个独立的模型有很大的困难,解释起来也较为晦涩。本文通过将其带入一个较为成熟的理论模型中起到了化繁为简的效果,使阐述更加清晰和易于理解。
[Abstract]:Lending relationships are ubiquitous in people's lives: from personal credit card use to home loans to corporate and even government debt financing. With the progress of the economic system and the improvement of the financial system, the loan relationship as an important part of the financial system has been greatly developed. After entering the 21st century, with the deepening of the reform of the socialist market economy, the credit funds provided by the formal financial institutions are far from being able to meet the needs of market financing. At this time, the developed coastal areas are the pioneers. According to their own needs, the inland areas gradually establish and expand the scale of private lending system and gradually develop and mature. The research of this paper is to use the principal-agent theory to study the borrowing and borrowing relationship, which in essence satisfies some properties of the principal-agent relationship, so it can be treated as a special principal-agent relationship. Thus, we can use the principal-agent model to analyze. Because of the complexity of the loan relationship, especially the private lending relationship, it is difficult to build an independent model and the explanation is rather obscure. By introducing it into a more mature theoretical model, this paper makes the explanation more clear and easy to understand.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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