行为金融理论框架下中小企业贷款难现象解释  

The Phenomenon of SMEs'Credit Difficulties:Under the frame of Behavioral Finance Theories

作　　者：吴国培[1] 陈福生[2] 

机构地区：[1]中国人民银行福州中心,福州350001 [2]福州大学管理学院金融系,福州350002

出　　处：《亚太经济》2010年第1期55-58,共4页Asia-Pacific Economic Review

摘　　要：本文从行为金融理论视角研究中小企业贷款难现象的原因和机理。通过对传统金融理论两大假设的差异进行比较,对商业银行信贷决策是否有限理性问题展开探讨,指出中小企业贷款难的原因,并提出政策建议。This paper makes research on the cause and mechanism of the phenomenon of SMEs＇ credit diffi- culties based on the perspective of behavioral finance theories. Firstly authors compare the differences of two hy- pothesises between behavioral finance theories and tradtional finance theories, and discuss whether there is the problem of limited ration in the commerical banks＇ credit decisions or not. Secondly they analyze the phenome- non of credit difficulties with four aspects： loss aversion, prospect theory and law of small numbers, anchoring effect, herd behavior. Finally this paper makes a few suggestions to solve the SMEs＇ credit difficulties.

关 键 词：信贷 行为金融 中小企业 

分 类 号：F832.42[经济管理—金融学]