信贷配给理论发展、模型与实证研究  

Credit Rationing Theory's Development, Models and Empirical Study

作　　者：任建军[1,2] 

机构地区：[1]湖南大学经贸学院 [2]中国工商银行湖南省分行信贷管理部

出　　处：《金融论坛》2009年第4期21-28,共8页Finance Forum

摘　　要：信贷配给理论是一个比较复杂的经济学理论,对于信贷配给至今还没有一个统一公认的定义,该理论不仅内容多、不系统,且理论模型多又较为分散,实证研究虽已处于起步阶段但度量仍较为困难。中国学者对此问题也进行了10多年的研究,研究基本分为两类:一类是零散介绍西方信贷配给理论研究情况,另一类是结合中国国情进行了相应的信贷配给问题的研究。为全面理解和把握好信贷配给理论,本文从信贷配给定义、信贷配给理论发展、信贷配给理论模型、信贷配给实证和中国信贷配给理论研究等多视角,对信贷配给理论与实证文献进行了一次比较全面、系统的梳理。Credit rationing theory is a kind of complicated economics theories, which has not been given a generally accepted definition. Both the contents and models are numerous and unsystematic. Although the empirical study is at the initial stage, it lacks suitable measurement approaches. Chinese scholars have been devoted themselves to studying this theory for tens of years, and the study fields can generally be classified into two types： the first type mainly introduces foreign research achievements in credit rationing theory, and the other focuses on credit rationing problems in China. This paper comprehensively and systematically scrutinizes the credit rationing theory from multiple perspectives, including its definition, theory development, theoretical models, the empirical study and its development in China.

关 键 词：信贷配给 理论发展 模型与实证 文献综述 

分 类 号：F830.5[经济管理—金融学] F224