中小企业关系型贷款:银行组织结构视角的分析  

An Analysis of Bank Organizational Structures on SMEs relationship lending

作　　者：吴洁[1] 

机构地区：[1]南京大学商学院经济学系,江苏南京210093

出　　处：《财经问题研究》2006年第5期48-54,共7页Research On Financial and Economic Issues

摘　　要：不同的银行组织结构在贷款项目信息生产和信贷资金有效配置方面存在能力与效率的差异。管理层次少、决策权分散的小银行在基于企业软信息发放关系型贷款方面拥有比较优势,而集权式大银行则在依据硬信息发放市场交易型贷款方面表现更佳。This paper assesses different bank organizational structures in terms of their ability to generate information about investment projects and allocate capital to these projects efficiently. Decentralized banks with less layers of management are at a comparative advantage to make relationship loans according to soft informa- tion. In contrast, large hierarchical banks with multiple layers of management are most likely to be attractive to make transaction loans according to hard information.

关 键 词：中小企业 关系型贷款 银行组织结构 

分 类 号：F270-05[经济管理—企业管理]