对某城商行试水信用放款的实证研究

从担保失灵与二元市场边界动态迁移角度，对某城商行信用放款的内生逻辑与外在诱因机理进行分析，运用激励相容理论，探讨其信用放款制度设计。受制于我国中小企业的整体信用状况，中长期内担保抵押仍是主要的贷款方式，虽然中小企业信用放款只是从属性、补充性的，但这项探索无疑具有较强的针对性和应用价值。

An Empirical Study of Credit -based Lending in an Urban Commercial Bank

From the perspective of guarantee failure and border dynamic migration m the dual market, an analy~J~ ~ made on the endogenous logic and external incentive mechanism for an urban commercial bank credit -based lend- ing. By using incentive compatibility theory, the paper explores the credit - based lending design. Subject to the overall credit situation of SMEs, the medium and long -run mortgage is still the main way. Although SME credit - based lending is subordinate and complementary, this study is undoubtedly of highly targeted exploration and appli- cation value.