民营企业金融缺口研究  

On the financial gap of the non-state owned business

作　　者：杨大楷[1] 韩其成[1] 

机构地区：[1]上海财经大学,上海200433

出　　处：《上海市经济管理干部学院学报》2003年第2期31-36,共6页Journal of Shanghai Economic Management College

摘　　要：信贷市场上由信息不对称所引致的民营企业的逆向选择和道德风险造成了大量的银行信贷风险,为规避这种信贷风险,商业银行所采取的现行的信贷管理体制造成了民营企业资金需求与间接融资体系资金供给的非对称,致使民营企业的资金来源存在着刚性缺口。必须进行金融体制创新以降低银企交易成本、提高信息对称度来填补金融缺口。Adverse selection and moral risk of non - stated owned business generated by the information asymmetry in the credit market leads to enormous bank credit risk. The credit system adopted by commercial bank in order to regulate and avoid such risk makes the asymmetry between non - state business's capital demand and capital supply of indirect financial system. Thus there exists rigid financial gap in the non - state owned. business' s capital provenance. For finishing the financial gap we must innovate the financial system to reduce the transaction cost between bank and enterprise and to enhance the information symmetry.

关 键 词：民营企业 间接融资 金融缺口 交易成本 

分 类 号：F830.5[经济管理—金融学]