| 民营银行准入的福利效应研究 |
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| 引用本文： | 沈爱华, 姜子叶,.民营银行准入的福利效应研究[J].华东经济管理,2008,22(12). |
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| 作者姓名： | 沈爱华 姜子叶 |
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| 作者单位： | 1. 盐城工学院,经济与管理学院,江苏,盐城,224051
2. 南京大学,商学院,江苏,南京,210004;中国人民银行,南京分行,江苏,南京,210000 |
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| 基金项目： | 江苏省教育厅高校哲学社会科学项目(065JB630005) |
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| 摘 要： | 文章为改善中小企业融资难困境,文章运用信贷配给模型,讨论民营银行准入这项政策的福利效应问题。文章认为在我国金融结构发生深刻变化情况下,民营银行准入不会克服信息不对称这一根源性问题,准入的资产业务内容不同,民营银行的福利效应也会不同,总体上说这一政策的福利效应是有限的。
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| 关 键 词： | 民营银行准入 福利效应 中小企业融资 金融结构 |
Research on the Welfare Effect of Private-owned Banks |
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| SHEN Ai-hua; JIANG Zi-ye;.Research on the Welfare Effect of Private-owned Banks[J].East China Economic Management,2008,22(12). |
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| Authors: | SHEN Ai-hua; JIANG Zi-ye; |
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| Institution: | 1.School of Economics & Management; Yancheng Institute of Technology; Yancheng 224051; China; 2.Business School; Nanjing University; Nanjing 210004; 3.Nanjing Branch of People s Bank of China; Nanjing 210000; China |
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| Abstract: | This paper studies the welfare effect of private-owned banks.We represent the improving condition of the financing problem of medium-small firms as the increasing effect of welfare.By employing the credit-rationing model,we conclude that private-owned banks can t overcome the informational asymmetry at all.Under the current financial structure.,different asset entitlement affects the welfare effect.Overall the policy s function is limited. |
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| Keywords: | private-owned banks entry welfare effect financing problem of medium-small firms financial structure |
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