【摘要】：非正規(guī)金融不僅存在于發(fā)展中國家，在擁有完善成熟金融體系的發(fā)達國家也存在典型的非正規(guī)金融現(xiàn)象。發(fā)達國家和發(fā)展中國家都存在非正規(guī)金融與正規(guī)金融并存的“二元金融結構”。在我國經濟發(fā)展的過程中，出現(xiàn)了兩個“悖論”：一是金融體系發(fā)展的低水平與經濟增長的高速度極不相稱，二是非國有經濟在高速增長的同時卻很少能夠從體制內正規(guī)金融獲得資金支持。非正規(guī)金融對這兩個“悖論”作出了部分解釋。 本文借鑒現(xiàn)代金融發(fā)展理論及金融發(fā)展與經濟增長的理論，運用信息經濟學、契約理論和新制度經濟學等學科理論作為分析工具闡釋了非正規(guī)金融產生的內在機制、非正規(guī)金融與正規(guī)金融之間的關系和我國經濟發(fā)展過程中的兩個“悖論”，，同時探討了非正規(guī)金融促進經濟和社會發(fā)展的制度效應。然后通過理論分析和實證檢驗的方法，闡述了非正規(guī)金融的資源配置效應和產出效應，論證了非正規(guī)金融提高了資金的投資效率，促進了經濟增長。最后對我國非正規(guī)金融的發(fā)展提出政策建議。
[Abstract]:Informal finance exists not only in developing countries, but also in developed countries with mature financial system. Both developed and developing countries have dual financial structure in which informal finance and formal finance coexist. In the process of China's economic development, there are two "paradoxes": one is that the low level of financial system development is not commensurate with the high rate of economic growth. Second, while the non-state-owned economy is growing at a high speed, it is rarely able to obtain financial support from the formal finance within the system. Informal finance gives a partial explanation of these two "paradoxes". Based on the theory of modern financial development and the theory of financial development and economic growth, this paper makes use of the theories of information economics, contract theory and new institutional economics as analytical tools to explain the internal mechanism of the emergence of informal finance. The relationship between informal finance and formal finance and two "paradoxes" in the process of economic development in China are discussed, and the institutional effects of informal finance on promoting economic and social development are also discussed. Then through the method of theoretical analysis and empirical test, this paper expounds the resource allocation effect and output effect of informal finance, and proves that informal finance improves the investment efficiency of capital and promotes the economic growth. Finally, the paper puts forward some policy suggestions on the development of informal finance in China.
【學位授予單位】：廣東外語外貿大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832;F124.1

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本文編號：2453025