| 基于制度经济学的银行信贷配给问题研究 |
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| 引用本文： | 贾林,吕海霞.基于制度经济学的银行信贷配给问题研究[J].价值工程,2005,24(9):126-128. |
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| 作者姓名： | 贾林 吕海霞 |
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| 作者单位： | 山东经济学院,济南,250014;山东经济学院,济南,250014 |
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| 摘 要： | 银行信贷配给是银行信贷管理的十分重要的方面,在我国转轨经济和金融的形势下更为突出。本文从制度经济学的角度对这一问题作了分析,研究了在产权不合理和不明晰下信贷配给的形成,分别从银行内与银行与企业的委托代理方面寻找了原因。并对信贷配给的产权交易市场做了均衡分析,然后针对中国目前的现实情况提出了政策建议。
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| 关 键 词： | 信贷配给 制度经济学 产权 委托代理 均衡分析 契约 |
| 文章编号： | 1006-4311（2005）9-0126-003 |
The Research of Admeasurement in the Credit of Banks Based on Institutional Economics |
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| JIA Lin,Lü Haixia.The Research of Admeasurement in the Credit of Banks Based on Institutional Economics[J].Value Engineering,2005,24(9):126-128. |
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| Authors: | JIA Lin Lü Haixia |
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| Institution: | Shandong Institute of Economics, Jinan 250014, China |
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| Abstract: | The allocation of credits takes an important role in the bank management, and it's more prominent in the financial condition at president. The article analyzes this problem by using some ideas of system-economics, explains the formation of allocation because of the obscure property rights, seeks the causes, and then gives some advices. |
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| Keywords: | allocation of credits system-economics property rights agency by mandate equilibrium analysis bargain |
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