| 中国信贷市场匹配机制的再设计 |
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| 引用本文： | 袁开洪,文胜. 中国信贷市场匹配机制的再设计[J]. 当代经济科学, 2008, 30(3): 70-76 |
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| 作者姓名： | 袁开洪 文胜 |
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| 作者单位： | 1. 北京大学,光华管理学院,北京,100871;大连商品交易所,辽宁,大连,116023
2. 合众人寿股份有限公司发展研究部,北京,100020 |
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| 摘 要： | 我国的银行信贷市场呈现二元结构--目标客户与非目标客户信贷市场.两者有着不同的运行机制.目标客户信贷市场的议价过程存在一个类似企业"求婚"的递延接受程序,市场的运行结果稳定.非目标客户信贷市场不存在导致稳定结果的分散化匹配程序,市场广度和深度不够.为提高非目标客户信贷市场的稳定性和运行效率,我们建议通过公布银行信贷方案、设立非目标客户信贷中心、设立中央化的匹配清算所等,把分散化的议价过程变成中央化的匹配程序,从而完善和降低中小企业的交易成本,为中小企业的发展拓展广阔空间.
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| 关 键 词： | 双边匹配理论 信贷市场 匹配机制 |
| 文章编号： | 1002-2848-2008(03)-0070-07 |
| 修稿时间： | 2008-03-23 |
Redesigning for the Matching System of China Credit Markets |
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| YUAN Kai-hong,WEN Sheng. Redesigning for the Matching System of China Credit Markets[J]. Modern Economic Science, 2008, 30(3): 70-76 |
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| Authors: | YUAN Kai-hong WEN Sheng |
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| Affiliation: | YUAN Kai-hong1,WEN Sheng2(1. Guanghua School of Management,Peking University,Beijing 100871,China,Dalian Commodity Exchange,Dalian 116023,2. Research Dept.,Unionlife,Beijing 100020,China) |
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| Abstract: | The banking credit market in China is characterized by dual structure, i.e. the target and the non-target credit markets. These two markets have different operation mechanism. The negotiation process of target credit market is characterized by a deferred acceptance procedure with stability. However, no such a stabilizing matching procedure exists in the non-target market. We thus recommend replacing the decentralized negotiation process with centralized matching procedure through measures such as bank credi... |
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| Keywords: | Two-sided matching theory Credit markets Matching |
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