Usury, Rural and Township Financial Model——Reasoning of Mat-Theory Based on Social Benefits
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摘要: 近年来国有商业银行逐步撤出农村金融市场,这与农村金融资源分布先天失衡共同导致了农村金融市场资源分布近乎空白有关,而分布空白又滋生了高利贷的繁衍。文章通过对高利贷概念的重新界定和其对包括经济效益及福利效益的社会效益进行数理论证,发现高利贷对社会效益的提高有明显的积极意义。同时又通过分析现有金融机构在信息不对称和合同执行成本较高的农村运行失效的缘由,提出将部分初具规模、组织机构完善的高利贷组织改建成乡镇金融机构的模式,以弥补农村金融资源分布的空白。Abstract: The gaps left by the phasing out of state-owned commercial banks and the congenital imbalance of distribution of the rural financial resources have bred proliferation of usury in recent years. In this paper, we find that there is positive significance in increasing social benefits by the redefinition of usury concept and Reasoning of Mat-Theory based on social benefits. At the same time, by analyzing causes of failure of the operation of formal financial institutions in the information asymmetry and contract enforcement high costs in rural areas, usury organizations with some strength and perfect organization system can set up a township financial model to fill in the rural financial gaps in the distribution of resources.
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Keywords:
- usury /
- roots /
- social benefits /
- township financial model
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