摘要
从金融市场的信息不对称出发,讨论了金融市场中的信贷配给现象,证明了信贷配给正是中小企业融资困境产生的根本原因。通过从逆向选择和道德风险角度对信贷配给的形成及均衡演进问题进行分析,提出了信贷配给的治理路径,即建立商业银行与担保机构的风险协作机制。
It firstly analyzes credit rationing in the finance field, then it deeply approaches to the information non-perfectness leading to credit rationing emergence in the finance field, and then it also discusses the credit rationing balance, which will possess the very important theoretical and practical significance to the finance supervision department offering to the scientific finance practice.
出处
《山西财经大学学报》
CSSCI
北大核心
2010年第1期36-42,共7页
Journal of Shanxi University of Finance and Economics
基金
国家社会科学基金资助项目"两型社会建设中非正规金融发展问题研究"(09BJY109)
中国博士后科学基金资助项目(20090450683)
关键词
中小企业金融
商业银行
担保机构
风险协作机制
信贷配给
small-medium enterprises finance
commercial bank
guarantee agency
risk collaboration mechanism
credit rationing
