关系型信贷:一个基于信贷配给的模型  

Relationship Banking:Based on a Credit Rationing Model

作　　者：苏峻[1] 何佳[2] 

机构地区：[1]北京工商大学商学院,北京100048 [2]香港中文大学商学院

出　　处：《数学的实践与认识》2011年第13期52-58,共7页Mathematics in Practice and Theory

摘　　要：通过一个基于信贷配给的模型,揭示了为什么中小企业融资困难.而关系型信贷是解决"信贷配给"矛盾的一种方式.关系型借贷是市场交易的一种内生制度.这里的关系反映的是企业和一家基本银行(或少数几家银行)建立的长期封闭及规范化的契约关系,他的维系有助于银行收集关于企业发展前景和贷款偿还概率等方面的信息,进而为做出贷款决策提供便利.对于中小企业来说,也能够便利的获得所需的贷款.The paper investigates why is it difficult for small and medium-sized enterprises to obtain bank credit through a credit rationing model] We argue that relationship banking is the way to solve the dilemma. Relationship banking is an endogenous system out of market transactions. The relationship here reflects the long-term, close-form formal contracts between one SME and one core bank （or several banks）. The relationship helps the bank to collect soft information of the SME about its growth prospect, the default rate of the bank loan so that make the credit granting decision. At the same time, it is easier for SMEs to gain bank credit from relationship banks.

关 键 词：关系信贷 信贷配给 中小企业 

分 类 号：F832.4[经济管理—金融学]