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资源配置一直是经济学研究的重要问题,但现有经济学理论以交换为主研究资源配置,忽略了资源配置的另一种途径——借贷。借贷活动在经济生活中长期存在,具有资源配置作用,并与交换活动一起在全社会范围内配置各种资源。研究资源配置问题,需要从交换和借贷两方面入手,才能更好地认识和发现实际经济活动中资源配置的规律。
The allocation of resources has always been an important issue in economic research. However, the existing economic theories mainly study the allocation of resources by exchange, neglecting another way of allocating resources - borrowing. Loan activities have long existed in economic life, with the role of resource allocation and, together with exchange activities, allocate various resources within the whole society. To study the problem of resource allocation, we need to start with both exchange and borrowing in order to better understand and discover the law of resource allocation in actual economic activities.