论信贷配给的基本机理及其在当代中国的现实体现  

On the Basic Mechanism of Credit Rationing and Its Embodiment in Contemporary China

作　　者：王征[1] 

机构地区：[1]济南社会科学院经济研究所,山东济南250099

出　　处：《区域金融研究》2014年第3期34-37,共4页Journal of Regional Financial Research

摘　　要：信贷配给是信贷市场上的一种常见经济现象,表现为借款者的借款要求被拒绝或者不能全部得到满足。新凯恩斯主义信贷配给论认为,在信贷市场中,利率机制和配给机制同时起作用。信贷配给降低了信贷资金的使用效率,但它的存在具有一定的现实必然性。我国目前的信贷配给属于市场机制与政府主导同时起作用的"双重信贷配给"。解决我国目前信贷配给问题的出路在于更快地推进利率市场化进程。Credit rationing is a common phenomenon in credit market, which refers to the scenario that the re- quest of borrowers is refused or is fulfilled only partially. In the credit rationing theory of the new Keynes doctrine, the mechanism of both interest rate and rationing are considered to have impact in the credit market.Credit rationing reduc- es the efficiency in the use of credit funds, but there is certain realistic rationality in its existence. China＇ s credit ra- tioning in current belongs to the ＂double credit rationing＂, which means the market mechanism with government con- trol can occur in combination. The way to solve the problem of the dual credit rationing in China is to speed up the mar- ketization of interest rate.

关 键 词：信贷配给 逆向选择 双重信贷配给 金融抑制 

分 类 号：F830.5[经济管理—金融学]