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考虑到信贷市场结构的实质就是正规和非正规,从新制度经济学的视角,将研究范围放在比较两类信贷市场效率,通过交易费用、信息不对称、制度变迁理论对信贷市场效率的影响几个方面进行了系统梳理,厘清信贷市场效率研究的脉络,并展望了信贷市场未来发展的研究方向,总结了通过科学的制度安排,建立两类信贷市场平行竞争和垂直互补的平台,为信贷市场的发展提供理论借鉴和现实启示。
Considering that the essence of the credit market structure is formal and informal, from the perspective of new institutional economics, the research scope is focused on comparing the efficiency of two types of credit markets. Through transaction costs, information asymmetry and institutional change theory, the impact of credit market efficiency This paper systematically sorts out the context of credit market efficiency research and looks forward to the research direction of the future development of credit markets. It concludes that through scientific institutional arrangements, two types of platforms for parallel competition and vertical complementarity in credit markets are established, Provide theoretical reference and practical enlightenment.