民间借贷债务催收市场的田野调查与经济解释
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引用本文:丁〓骋〓骋.民间借贷债务催收市场的田野调查与经济解释[J].财经理论与实践,2019,(4):24-31
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作者单位
丁〓骋〓骋 (浙江财经大学 金融学院浙江 杭州〓310018) 
中文摘要:针对我国东部、中部和西部民间金融乱象高发地不同人群展开田野调查,在总结民间借贷债务催收市场四个特征事实基础上,运用“中介理论”解释了催收组织结构演化的内在逻辑,并用“博弈论”对民间借贷债务催收涉黑隐患的形成机理进行分析。民间借贷是一个自由选择的市场,高利贷往往由高风险借款人与高风险放款人相匹配形成“尖刀上的双人舞”。违约产生后,由于民间借贷债务催收是不完全信息条件下的隐秘市场,催债人无法区分“策略性违约”债务人,只能通过施压以增加其不还款的内在成本。市场分割导致债务催收难以形成统一流程,催债人施压过程中往往使用层层分级的非常规手段,“边缘策略”无法正确实施,最后往往导致民间借贷债务催收涉黑现象频发。为此,可借鉴海外经验,促进债务催收市场实现合法化,引导半地下的债务催收机构走向阳光化,同时,制订相关法律以规范债务催收机构行为。
中文关键词:民间借贷纠纷  债务催收  田野调查  “边缘策略”
 
A Field Investigation and Economic Analysis on Debt Collection of Informal Finance:an Approach from Regulation
Abstract:How do the underground debt collection markets of informal finance operate? Why do gangsterized phenomena frequently occur in debt collection? How can such threat be prevented and such markets regulated? To answer these questions, field investigations are, firstly, widely carried out in the eastern, central and western parts of China. Then, the disputes resulted in debt collection of interpersonal lending obligations are analyzed based on the game theory. And finally, suggestions are propounded referring to overseas lessons. The major contribution of this paper is to reveal featured facts about debt collection markets of informal finance, meanwhile analyzing the causes of gangsterized trend in debt collection of interpersonal obligation disputes. In our country, the prohibition of "debt collection corporations" by law practically intensifies this trend to some extent, so, it is necessary to consider legalizing and normalizing the debt collection industry through legislation.
keywords:Interpersonal lending obligation dispute  Debt collection  Field work  Brinkmanship
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