西方银行业兼并对信贷结构和利率政策的影响——兼论中小企业融资难  

The Effects of Foreign Banking Mergers on the Credit Structure and Interest Rate Policy——An Analysis on the Borrowing Difficulty ofMediumandSmall Enterprise

作　　者：瞿卫东[1] 

机构地区：[1]上海财经大学金融学院,上海200433

出　　处：《上海财经大学学报》2003年第5期32-39,共8页Journal of Shanghai University of Finance and Economics

摘　　要：　近年来西方银行业的兼并频频,银行业集中化程度随之提高,兼并对信贷政策产生了重要影响。本文重点分析信贷结构和信贷利率两方面的影响,并结合我国中小企业贷款难的现实问题,探讨其成因与现行银行体制的高度垄断之间的关系,提出加快发展中小银行,降低银行的集中化程度,是解决这一难题的关键。There have been many worldwide banking mergers in recent years. With the concentration of the banking industry, those mergers have had significant effects on the credit policies. The paper mainly studies the effects on both the structure and interest rate of credit. Facing the borrowing difficulty of Chinese mediumandsmall enterprises in reality, and analyzing the relationship between the causes and the high monopoly of banking system, the paper puts forward that the key solution is to accelerate the deve...

关 键 词：银行业兼并 信贷政策 中小企业融资 

分 类 号：F831.2[经济管理—金融学]