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针对当前我国民间借贷日益活跃并积聚风险的现状,本文通过建立二元金融结构下民间借贷正规化的经济模型,以民间借贷自身的风险管理能力为核心指标,定量研究其正规化路径的可能选择。以此为我国民间融资关系正规化的研究提供理论依据,为政府监管和引导民间借贷服务于金融领域提供新的视角。
Aiming at the current situation that our country’s private lending is increasingly active and accumulating risks, this paper establishes the economic model of informal lending and normalization under the dual financial structure, takes the private loan’s own risk management ability as the core index and quantitatively studies the possible choices of its normalized path . This provides a theoretical basis for the research on the normalization of the relationship between the private financing in our country and provides a new perspective for the government to supervise and guide the private lending services in the financial field.