【摘要】 在阐述民间标会运作模式和会员组会参与动机的基础上,分析了民间标会活动中存在的信息不对称问题和风险生成机理,并利用博弈论的方法探究"倒会"风险的形成原因。立足标会活动的风险生成原因,借鉴台湾地区规范民间标会发展的经验,提出大陆地区应通过立法规范、组建行业协会自律管理、探索建立机构化和银行化的运作模式等路径,防控标会活动风险,促进民间标会合规发展。更多还原

【Abstract】 This paper analyses information asymmetry and risk generated mechanism existing in Bidding Rotating Savings and Credit Association,and explores its formation reasons of the risk of Collapsed Rotating Savings and Credit Association by Game theory.Based on the reasons of its risk,learning the experience from the regularization development of Bidding Rotating Savings and Credit Association in Taiwan,this paper proposes that the government should prevent its risk to promote its normative development by means of legislative regulation,setting up the self-discipline management system,and establishing the operation mode.更多还原