高利贷泛化的解析与扼制

摘要

Usurious loan normally appears in financial depression times and area; therefore, it is common that we find it in undeveloped rural area. But recently, it frequently appears in urban area where there is great number of financial institutions. Macroeconomic monetary policy and rigid bank -enterprise corporation mechanism are reasons for this phenomenon. In this study, the usurious loan operation model is discussed. Accordingly, measures to control usurious loan are proposed.%高利贷现象理应出现在金融抑制的时期和区域,因此,经济相对不发达的农村地区较易出现高利贷。但近期在金融机构林立的城市地区出现了高利贷泛化的现象,＂城市版＂高利贷的成因复杂。究其原因,是宏观货币政策与阻滞的银企合作机制综合作用的结果。因而剖析＂城市版＂高利贷运作的模式,并针对于此,提出高利贷泛化的扼制对策。