摘要
信贷配给是各国资金配置中常见的现象,在中国更是普遍存在“中小企业贷款难”的问题。这究竟是一种短期行为还是长期均衡现象,究竟是政府的干预造成还是商业银行自身理性行为使然?本文将利用信息经济学知识对信贷配给做出均衡分析,并进行模型的扩展,结合中国实际探讨如何减少因信息不对称带来的信贷配给。
Credit rationing is an usual phenomenon in all countries.Especially in China,it's very difficult for the medium and small enterprises to get loan.Whether it's a phenomenon in short term or an equilibrium in long term,whether it's a result of government's action or the bank's rational choice?In this essay I will do some analyze on the basic of informational economics and extend the model to analyse how to reduce the credit rationing in China.
出处
《价值工程》
2004年第6期113-116,共4页
Value Engineering
