| 中小企业融资中的信贷配给分析 |
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| 引用本文： | 钱世超,袁雪飞.中小企业融资中的信贷配给分析[J].上海管理科学,2007,29(1):15-19. |
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| 作者姓名： | 钱世超 袁雪飞 |
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| 作者单位： | 1. 华东理工大学
2. 上海东海职业技术学院 |
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| 摘 要： | 中国中小企业在国民经济中占据了半壁江山,对中国的国民经济和社会发展起到了举足轻重的作用,然而目前中小企业中的融资问题已成为阻碍中小企业发展的主要因素。银行是中小企业间接融资最愿意采取的融资渠道,但是大量中小企业的信贷需求却只有少数部分可以得到满足,即中小企业成为银行“信贷配给”的主要牺牲品。本文试图通过信息不对称理论,利用Stiglitz和Weiss的“信贷配给模型”框架来分析银行对中小企业惜贷的内在原因,并提出了相关的政策建议。
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| 关 键 词： | 中小企业融资 借贷配给 信息不对称 |
Analysis on Credit Ration of Financing in SMEs Financing Problem in Asymmetric Situation |
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| Qian Shichao,Yuan Xuefei.Analysis on Credit Ration of Financing in SMEs Financing Problem in Asymmetric Situation[J].Shanghai Managent Science,2007,29(1):15-19. |
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| Authors: | Qian Shichao Yuan Xuefei |
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| Institution: | Qian Shichao Yuan Xuefei |
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| Abstract: | The small and middle - sized enterprises play important role in Chinese economy. However, the financing problems of the enterprises have become the main obstacles for their development. The essay, based on the asymmetric theoy and the credit rationing model of Stiglitz and Weiss, discussed the relationship between the enterpris ers, banking institutions and government. |
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| Keywords: | Small and Middle - sized Enterprises' Financing Credit Rationing Asymmetric Information |
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