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本文以2010年中国工商统计局,中国数字报告等权威数据为样本,从正规金融和非正规金融为基点,利用关系型贷款理论为契合点立足于我国江浙地区的具体融资行为来考察我国民间企业的非正规融资行为。结果发现相比正规融资是以法律为实施基础的,非正规金融是以信誉为实施基础的。而二者的关系既是互补的又是相互联系的。这种特征在我国的江浙地区又非常典型,再结合2008年金融危机后全球产业结构和分布的大调整,对于非正规融资行为的研究就愈发显得重要了,怎样在信贷配给,交易成本,信息不对称和产权歧视等诸多约束下解决中小企业非正规融资的瓶颈成为了我们应该深思的问题。
Based on the authoritative data such as China National Bureau of Commerce Statistics and China Digital Report in 2010, this dissertation, based on formal finance and informal finance, makes use of the theory of relationship-based loans as the focal point to examine the specific financing activities in China’s Jiangsu and Zhejiang provinces Non-formal financing behavior. The results showed that compared with formal financing is based on the implementation of the law, informal finance is based on the credibility of the implementation. The relationship between the two is complementary and interrelated. This feature is very typical in Jiangsu and Zhejiang areas in our country. Combined with the great adjustment of the global industrial structure and distribution after the financial crisis in 2008, the research on informal financing behavior becomes more and more important. How to make the research on credit rationing, transaction costs, Asymmetric information and property rights and many other constraints under the informal finance to solve the bottleneck has become a problem we should ponder.