融资约束下金融互助模式的演进——从民间金融到网络借贷

发布时间：2018-02-08 22:53

本文关键词： 融资约束金融互助网络借贷　出处：《金融研究》2017年03期 　论文类型：期刊论文

【摘要】：金融互助是指在群体内部成员之间相互借贷的一种合作形式。面对收入的波动,个人有平滑消费的需求,需要与他人开展金融互助;随着经济的发展,亦需要不断扩大互助范围并拓展新的互助方式。从民间金融范畴的私人借贷、合会,发展到正规金融范畴的信用合作,代表了传统金融互助模式的演进过程。然而,这些模式所依赖的亲缘关系和社区关系因人口流动频繁而日趋衰弱,同时互联网技术的进步降低了借贷双方的信息和搜寻成本,网络借贷这种金融互助模式因而产生。网络借贷通过社区的虚拟化突破了传统社区的地理限制,极大地拓展了金融互助的边界,但难以利用传统的社区监督来约束成员的行为。为防范互联网背景下金融互助行为的风险,可以从实名认证、征信体系建设等多方面入手,并强调其金融互助属性。
[Abstract]:Mutual financial assistance is a form of cooperation in which members of a group borrow and borrow from one another. In the face of income fluctuations, individuals have the need to consume smoothly and need to develop mutual financial assistance with others; as the economy develops, There is also a need to expand the scope of mutual assistance and expand new ways of mutual assistance. From private lending and association in private finance to credit cooperation in formal finance, it represents the evolution of the traditional financial mutual aid model. The kinship and community relationships on which these models depend are weakening due to frequent population movements, while advances in Internet technology have reduced the information and search costs of both borrowers and borrowers. Online lending broke through the geographical limitations of traditional communities and greatly expanded the boundaries of financial mutual aid. However, it is difficult to use traditional community supervision to restrain the behavior of members. In order to prevent the risk of financial mutual assistance under the background of Internet, we can start with real name authentication, credit system construction and so on, and emphasize the attribute of financial mutual assistance.
【作者单位】：对外经济贸易大学金融学院;
【基金】：国家自然科学基金项目“基于大数据分析的P2P借贷平台风险承担行为研究”(批准号:71573040) 北京大学数字金融研究中心课题对外经济贸易大学中央高校基本科研业务费专项资金(CXTD7-04)资助
【分类号】：F724.6;F832.4

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