Acta Metallurgica Sinica(English letters)

• 经济探索 • 上一篇    下一篇

商业银行利率选择与信贷配给问题研究

朱大地; 彭龙;   

  1. 北京邮电大学 经济管理学院
  • 收稿日期:2006-11-16 修回日期:1900-01-01 出版日期:2007-04-10

Astudyoftheequilibriumbetweeninterestrateselectionandcreditextensioninbanks

ZHU Da-di; PENG long   

  1. School of Economics and Management; BUPT
  • Received:2006-11-16 Revised:1900-01-01 Online:2007-04-10

摘要: 目前我国经济高速发展,但融资难的问题一直阻碍中小企业的进一步发展,这是多方原因造成的。其中长期存在于信贷市场中的信贷配给(credit rationing)现象、银行利率选择问题一直为国内学术界所关注,但是对于形成信贷配给的银行与企业的决策过程关注得不多。笔者从传统的信贷市场均衡入手,着重分析了信贷市场的利率选择、最优利率形成原则以及信贷配给产生的原因,以期对我国进行宏观经济调整起到一定的借鉴作用。

关键词: 信贷市场, 利率选择, 信贷配给

Abstract: Currently,China s economy is developing rapidly and at the same time the difficulty of fund-raising has been an obstacle for the development of small and middle enterprises owing to various factors.For a long time being,the domestic academic research has been focused on credit rationing and interest rate in the credit market.However,little attention has been paid to the credit rationing decision process of banks and enterprises.Beginning with the balance of credit market,this article mainly analyses the bas...

Key words: creditmarket, interestrateselection, creditrationing

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