| 关系型融资、信息生产与担保机构决策 |
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| 引用本文： | 贺勇,何红渠,雷新途.关系型融资、信息生产与担保机构决策[J].财经论丛,2011(3):64-70. |
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| 作者姓名： | 贺勇 何红渠 雷新途 |
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| 作者单位： | 中南大学商学院;浙江农林大学经济管理学院; |
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| 基金项目： | 国家自然科学基金资助项目(70702016); 浙江省社科基金资助项目(10CGGL06YB); 湖南省博士生创新工程基金资助项目(CX2010B064) |
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| 摘 要： | 信用担保减少了信贷配给问题,却增加了担保机构风险。对企业及其项目进行意会信息生产的关系型融资能部分弥补当前担保机构只注重财务信息和抵押品所产生的信息缺口,在我国经济转型时期有着阶段性适用特征。因此,关系型融资是担保机构克服与中小企业信息不对称的制度安排。文章通过构建信息生产模型创新性地解释了担保机构进行全面信息生产有利于风险控制与担保决策,与关系型融资相适应的担保机构组织设计可以提高担保决策中的信息准确性。
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| 关 键 词： | 关系型融资 信用担保 信息生产 中小企业 担保决策 |
Relational Financing,Information Production and Decision-making of Credit Guarantee |
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| HE Yong,HE Hong-qu,LEI Xin-tu.Relational Financing,Information Production and Decision-making of Credit Guarantee[J].Collected Essays On Finance and Economics,2011(3):64-70. |
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| Authors: | HE Yong HE Hong-qu LEI Xin-tu |
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| Institution: | HE Yong1,HE Hong-qu1,LEI Xin-tu2(1.School of Business,Central South University,Changsha 410083,China,2.School of Economics and Management,Zhejiang Agricuiture and Forestry University,Hangzhou 311300,China) |
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| Abstract: | Credit guarantee increases its own risk while reducing credit rationing.Tacit information about enterprises and their project produced by relational financing that has a characteristic of application in our economic transformation can make up for information gap for guarantee agencies emphasizing on the financial information and collateral,which is an institutional arrangement for guarantee agencies to overcome the information asymmetry with SMEs.The paper builds a model about information production to expl... |
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| Keywords: | relational financing credit guarantee information production SMEs guarantee decision-making |
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