个人信用货币化与小企业信贷问题研究  

Research on Problems of Small Business Credit Loan and Individual Credit Monetization

作　　者：王安国[1] 

机构地区：[1]中国人民银行德州市中心支行,山东德州253034

出　　处：《征信》2011年第5期26-30,共5页Credit Reference

摘　　要：从博弈论的角度分析影响小企业融资能力的原因以及导致小企业贷款难的问题根源,结合实际从关系型融资和关系型担保角度分析解决路径,认为基于担保公司的个人信用货币化是解决这一问题的有效途径,并提出相关政策建议。From the perspective of game theory,an analysis is made on the reasons for influencing small business financing capability and the essential loan difficulties for small businesses.Combined with the reality and viewed from relation-typed financing and relation-typed security,the paper analyses the solution path and states that individual credit monetization based on guarantee companies is an effective way to solve this problem,and makes relevant policy recommendations.

关 键 词：小企业 关系型贷款 关系型担保 个人信用货币化 

分 类 号：F830.56[经济管理—金融学]