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本文用贷款者获得的信息效用的大小来衡量其贷款风险,认为,在将借款者的信息分为企业家个人信息和企业经营信息前提下,贷款者在非正式和正式金融制度下搜索其信息的成本不同。作者以一个模型探究贷款者在一定信息搜索成本约束下能获得的最优信息效用,从而衡量不同金融制度贷款风险的行为,由此提出引导非正式金融制度下的民间借贷正式化的建议。
In this paper, we use the size of information utility obtained by lenders to measure the loan risk, and think that under the premise of dividing the borrower’s information into entrepreneur’s personal information and enterprise’s operating information, the lender searches its information under the informal and formal financial system The cost is different. The author uses a model to explore the optimal information utility that lenders can obtain under certain information search cost, and then measures the loan risk of different financial systems. Based on this, the author puts forward some proposals to guide the formalization of private lending under the informal financial system.