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題名 | 臺灣民營企業民間借貸比重之消長 |
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作者姓名(中文) | 許嘉棟; 郭平欣; 黃啟倉; | 書刊名 | 經濟論文 |
卷期 | 23:3 1995.12[民84.12] |
頁次 | 頁265-297 |
分類號 | 555.42 |
關鍵詞 | 臺灣; 民營企業; 民間借貸; Fiancial dualism; Financial market segmentation; Share of informal financing; |
語文 | 中文(Chinese) |
中文摘要 | 民間借貸在臺灣地區一向占有相當的重要性,而且民間借貸與金融機構的放款對象有明顯的市場區隔。統計資料顯示,民營企業來自民間借貸與金融機構借款的相對比重在1964-92期間呈現上下起伏波動。本文將臺灣的資金市場區隔現象納入考慮,並區分金融機構資金不足、過剩與利率自由化等三種不同狀況,建立雙元金融理論模型。此模型獲得以臺灣實際資料所估計得到的結構式之支持。本文進而利用此模型,透由比較靜態分析,發現同一外生或政策變數對民營企業的金融機構與黑市借款、黑市利率,以及民間借貸相對比重之影響符號,在三種不同的金融機構資金狀況下多不相同。根據比較靜態分析結果,並觀察各外生與政策變數在1965-92期間的實際變動,本文最後對民營企業民間借貸比重在此期間的消長現象,提出一些可能的成因解釋。 |
英文摘要 | The unregulated informal financial sector has an important economic function in Taiwan. There is a distinct market segmentation between formal financial institutions and the informal financial sector. Statistics show that during the period of 1964-92, the share of informal financing of private enterprises fluctuated over time. This paper develops a model which describes the interaction between financial institutions and the informal informal financial sector. The model is applied to conditions where the loanable fund market of financial institutions has excess demand, excess supply, or is in equilibrium. The estimated structural equations based on the data of 1965-92 support the theoretical model. Based on this model, this paper uses a comparative-static analysis to show that the impacts of an exogenous variable or policy variable on the informal market interest rate or the relative share of informal financing of private enterprises have different signs when the loanable fund market of infancial institutions is in excess demand, in excess supply and in equilibrium. Some explanations for the fluctuation of the share of informal financing of private enterprises in 1965-92 are then provided, based on the results of comparative static analysis and the actual changes of exogenous and policy variables in Taiwan over this period. |
本系統之摘要資訊系依該期刊論文摘要之資訊為主。