基于法治博弈的农村民间金融治理逻辑重塑
发布时间：2018-07-16 21:18
【摘要】：二元制金融体系结构下,农村正规金融与民间金融的相互博弈关系体现为分割、竞争、互补和联结四种类型。尽管后者在信息甄别、监督和合约执行上具有独特的优势,但其逐利性也被日趋放大,而与之配套的农村金融法律供给又存在异化:一是相关法律供给与需求不均衡;二是正式金融机制、法律制度与农村社会内生规则存在天然的冲突性,因而极易产生隐藏行为,隐藏信息和道德风险。应以社会公平和市场效率作为法律治理之理念逻辑;着眼于完善相关金融法律法规,凸显非正式制度的辅助效用;建立金融风险防范机制,全面提升金融监管力度与执法水平;应强调声誉机制的效应性,立足建立健全的农村民间金融安全信用制度,建构法律监管与声誉约束的相互协调机制。
[Abstract]:Under the dualistic financial system structure, the relationship between rural formal finance and private finance is embodied in four types: division, competition, complementarity and connection. Although the latter has unique advantages in information screening, supervision and contract execution, its profit-driven nature is also enlarged day by day, and the corresponding rural financial legal supply is dissimilated: first, the relevant legal supply and demand are not balanced; Second, the formal financial mechanism, the legal system and the rural society endogenous rules have the nature of conflict, so it is easy to produce hidden behavior, hidden information and moral hazard. We should take social equity and market efficiency as the ideal logic of legal governance, focus on perfecting the relevant financial laws and regulations, highlight the auxiliary effect of informal system, establish financial risk prevention mechanism, and improve the financial supervision and law enforcement level in an all-round way. We should emphasize the effect of reputation mechanism, establish a sound rural folk financial safety credit system, and construct a mutual coordination mechanism between legal supervision and reputation constraint.
【作者单位】： 西南政法大学民商法学院;
【基金】：西南政法大学2015年度校级科研项目“基于法治博弈的农村正规金融与民间金融治理研究”(项目编号:2015XZQN-20)的研究成果
【分类号】：D922.28;F832.43
本文编号：2127698
[Abstract]:Under the dualistic financial system structure, the relationship between rural formal finance and private finance is embodied in four types: division, competition, complementarity and connection. Although the latter has unique advantages in information screening, supervision and contract execution, its profit-driven nature is also enlarged day by day, and the corresponding rural financial legal supply is dissimilated: first, the relevant legal supply and demand are not balanced; Second, the formal financial mechanism, the legal system and the rural society endogenous rules have the nature of conflict, so it is easy to produce hidden behavior, hidden information and moral hazard. We should take social equity and market efficiency as the ideal logic of legal governance, focus on perfecting the relevant financial laws and regulations, highlight the auxiliary effect of informal system, establish financial risk prevention mechanism, and improve the financial supervision and law enforcement level in an all-round way. We should emphasize the effect of reputation mechanism, establish a sound rural folk financial safety credit system, and construct a mutual coordination mechanism between legal supervision and reputation constraint.
【作者单位】： 西南政法大学民商法学院;
【基金】：西南政法大学2015年度校级科研项目“基于法治博弈的农村正规金融与民间金融治理研究”(项目编号:2015XZQN-20)的研究成果
【分类号】：D922.28;F832.43
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