1) free debit and credit
民间自由借贷
1.
Due to the characteristics of simpleness, flexibility and effectiveness, free debit and credit is becoming an important method for the rural citizen to club resources to solve the fund shortage in production and living fields.
民间自由借贷作为一种正规金融之外的资金融通方式,以其简单、灵活、有效的特点成为当前很多农村居民筹措资金以应对生产和生活领域资金短缺问题的重要手段。
2) informal credit
民间借贷
1.
The results showed that the demands of rural household′s credit was higher,percentage of credit from informal credit was more significant than official financial institution and the capital of credit was mostly used in the non-agriculture production.
通过对甘肃省250户农户资金借贷现状的实证分析,发现甘肃省农户资金需求量很大,其中民间借贷在农户借贷中占有很大比重,借款对象主要是亲朋好友;农户借贷资金主要投向于非农领域;农户对借款利率有一定的敏感度,对期限的选择中无确切期限,延期的借款多;同时调查还发现农户对农信社的借贷政策还不太了解。
2.
This paper empirically studies the informal credit in Jiangxi Province, and conclusions are as follows.
本文通过对江西省部分地区民间借贷情况的实证研究,认为在当前形势下,民间借贷有其存在的客观性,一是正规金融特定的制度环境导致民间借贷将在中长期内持续存在;二是经济运行需要多元化融资形式,经济发展中的资金需求和现实风险内在要求民间借贷作为补充,并形成对风险升水的合理定价。
3.
Third, borrowers optimally decide the financing proportion in formal and informal credit markets.
本文以改革进程中的非规范融资交易为研究对象 ,通过银行 -借款企业动态博弈和经验研究 ,归纳如下主要结论 :第一 ,在金融交易中 ,金融机构的腐败体现为利用资金配置权进行的两类寻租行为 ;第二 ,银行的寻租程度取决于改革进程中中央银行和财政对银行的转移支付和内控制度建设的相对力度比较 ,因而遏制融资腐败的方法是严格转移支付纪律 ,加强内控制度 ;第三 ,企业借款行为是在自筹资金和银行借款间进行的相对成本比较 ,企业被动选择行贿 (交租 ) ,因而其真实融资成本远远高于名义法定金融机构贷款利率 ;第四 ,由于存在转移支付机制 ,企业与银行的非规范金融交易的实质是对中央银行和财政转移支付的分割 ;第五 ,根据以上结论 ,民间借贷与正规金融价格实际是均衡的 ,不能简单定义民间借贷是高利贷 ,如果如此定义 ,则正规金融也同样具备高利贷特征。
3) Folk debit and credit
民间借贷
1.
As an old financial way, folk debit and credit has a long history in China.
民间借贷作为一种古老的融资方式,在我国有着悠久的历史。
2.
The application of empirical laws will function well as a supplement, especially in dealing with cases of folk debit and credit.
特别是在民间借贷案件中,经验法则的运用起到很好的补充作用。
4) Private Lending
民间借贷
1.
On the Lender s Self-protection Rights and Interests in Private Lending;
试论民间借贷中借出方权益的自我保护
2.
The development and reasonable supervision of China's private lending in the dual economic structure
二元经济结构下我国民间借贷的发展及其合理监管
3.
Study on Private Lending and Financial Service Innovation
我国民间借贷现状与农村金融服务创新问题探讨
5) Informal Finance
民间借贷
1.
The Informal Finance of Small Business and System Arrangement;
小企业民间借贷行为与制度安排
2.
Rebuild of Legal Value System of Informal Finance
民间借贷法律价值体系的重构
6) civilian debit and credit
民间借贷
1.
In fact,only to set up the deposit insurance project by the unified tax system can we improve the social welfare and realize the adjustment of the civilian debit and credit.
事实上,只有通过统一的税收制度建立存款保险计划才能提高社会福利,并在该框架下实现对民间借贷的有效调节。
2.
Therefore,finance in rural areas should be guided against usury from the following aspects,such as reformation of financial system,perfection of financial service,construction of effective protection for legal civilian debit and credit,etc.
我国农村民间借贷市场对解决农村资金供求矛盾具有积极意义,但也容易滋生诸如高利贷等消极现象。
补充资料：必然王国与自由王国(见必然与自由)
必然王国与自由王国(见必然与自由)
realm of necessity and realm of freedom
of口1 Iun Wongg口0 yU ZlyQU wangguo必然王国与自由王国(realmandrealm of freedom)necessity见必然与自由。
说明：补充资料仅用于学习参考，请勿用于其它任何用途。
参考词条