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近二十年海外银行中小企业贷款研究及新进展 被引量：1

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摘要 随着现代金融中介理论的发展,银行中小企业贷款问题的研究取得了突破性进展。国外学者在信息不对称的基础上探讨银行的经营模式,证明银行具有信息生产优势,银行贷款能够满足中小企业的融资需求。早期文献提供了基于关系型贷款技术的'小银行优势'的证据,近期研究显示,大银行的交易型贷款技术也可以解决信息不对称问题。市场竞争对中小企业贷款技术的影响取决于银行的规模和组织结构,而对于贷款可获得性的影响尚未得出一致结论。尽管法律制度显著影响中小企业融资,但跨国研究表明,发达国家与发展中国家银行都在积极开发中小企业贷款。未来在贷款技术的组合、市场竞争的影响和转轨型国家的中小企业贷款等方面可以期待出现更多成果。
作者 粟勤 田秀娟
机构地区 对外经济贸易大学金融学院
出处 《江南（诗）》 2011年第1期53-62,共10页 Poetry of Jiangnan
关键词 银行 中小企业贷款 信息不对称
分类号 F832.4 [经济管理—金融学]
  • 相关文献

参考文献58

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二级参考文献53

  • 1博迪(Bodie Z.) 载廖理 汪韧 陈璐.《金融体系的功能观点》[A].载廖理,汪韧,陈璐.《求智慧之旅:哈佛?麻省理工著名经济学家访谈录》[C].北京大学出版社,2000年版..
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共引文献108

同被引文献23

  • 1加布里埃尔,欣克利,瓦格斯.微型金融:方法与案例[M].游春,陈允宏,译.北京:中国出版集团东方出版中心,2016.
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  • 4Minnis M, Sutherland A. Financial statements as monitoring mechanisms: evidence from small commercial loans[R]. Chicago Booth Re- search Paper, 2015.
  • 5Lisowsky P, Minnis M, Sutherland A G. Credit cycles and financial statement verification [R]. Chicago Booth Research Paper, 2014.
  • 6Altman E I, Sabato G. Modelling credit risk for SMEs: evidence from the US market[J]. Abacus, 2007, 43(3) : 332 -357.
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  • 9Norden L, Weber M. Credit line usage, checking account activity, and default risk of bank borrowers[J]. Review of Financial Studies, 2010, 23(10) : 3665 -3699.
  • 10Levenson A R, Willard K L. Do firms get the financing they want? Measuring credit rationing experienced by small businesses in the US [J]. Small Business Economics, 2000, 14(2) : 83 -94.

引证文献1

二级引证文献24

江南（诗）
2011年 第1期

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