| 基于内部监督及社会惩罚机制的中小企业团体贷款还款研究 |
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| 引用本文： | 冉晖,张卫国.基于内部监督及社会惩罚机制的中小企业团体贷款还款研究[J].亚太经济,2011(6). |
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| 作者姓名： | 冉晖 张卫国 |
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| 作者单位： | 重庆大学经济与工商管理学院;西南大学经济管理学院; |
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| 基金项目： | 教育部博士点博导基金项目(2010019111003)的资助 |
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| 摘 要： | 论文在Besley和Coate的团体贷款经典模型基础上,从社会资本视角,将内部监督、社会惩罚及企业产出相互关系三个重要维度纳入综合分析模型,基于此综合模型讨论了可能影响团体贷款还款博弈的各因素的相互作用效果,较为系统地分析了中小企业团体贷款的还款问题,探讨了如何防止由于借贷双方信息不对称引起的策略性违约。
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| 关 键 词： | 中小企业 团体贷款 内部监督 社会惩罚 |
Study on Group Loan and Repayment Issues of Small and Medium Enterprises Based on Internal Monitor and Social Punishment Mechanism |
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| Ran Hui Zhang Weiguo.Study on Group Loan and Repayment Issues of Small and Medium Enterprises Based on Internal Monitor and Social Punishment Mechanism[J].Asia-Pacific Economic Review,2011(6). |
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| Authors: | Ran Hui Zhang Weiguo |
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| Institution: | Ran Hui Zhang Weiguo |
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| Abstract: | In this paper,based on Besley and Coate's classical model of group loan,we propose a comprehensive model which consists of internal monitor,social punishment and industry output from a unique perspective of social capital theory.In our study,we examine the factors and their interactive mechanisms which affect SEMs group finance,analyze their financing issues,and devise methods of preventing strategic default resulting from information imbalance of both sides. |
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| Keywords: | SEMs Group Load Internal Monitor Social Punishment |
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