| 信息不对称状况下的信贷配给 |
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| 引用本文： | 黄伟宏.信息不对称状况下的信贷配给[J].上海金融,2011(9). |
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| 作者姓名： | 黄伟宏 |
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| 作者单位： | 中国人民银行上海总部,上海,200021 |
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| 摘 要： | 信息不完全普遍存在于商业信贷活动中，这使得信贷配给成为一个普遍的现象。本文借鉴了前人理论，通过建立不完全信息条件下的信贷配给模型，分析了信贷配给的形成机理。由此得到的启示是，缓解信贷配给问题关键在于营造一个理想的社会化信用环境，改善中小企业整体资信状况。
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| 关 键 词： | 信息不完全 信贷配给 信用 |
Credit Rationing in the Condition of Information Asymmetry |
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| Huang Weihong.Credit Rationing in the Condition of Information Asymmetry[J].Shanghai Finance,2011(9). |
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| Authors: | Huang Weihong |
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| Institution: | Huang Weihong |
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| Abstract: | The incompleteness of information is quite common in commercial credit,making credit rationing pervasive.The article refers to previous theories,analyzes the formation mechanism of credit rationing by building credit rationing models in the condition of incomplete information.Then it draws the conclusion that the key to ease the credit rationing problem is to create an ideal credit environment and improve the credit conditions of SMEs. |
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| Keywords: | The Incompleteness of Information Credit Rationing Credit |
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