商业银行与民营企业间资金供需缺口研究  

Study on financial gap between commercial bank capital supply and non - state owned business capital demmand

作　　者：杨大楷[1] 韩其成[1] 

机构地区：[1]上海财经大学投资学院,上海200433

出　　处：《重庆工商大学学报（西部经济论坛）》2003年第6期48-53,共6页

摘　　要：从深入分析民营企业面临的金融抑制入手,根据信息不对称条件下的信贷风险的形成机理,构建了一个民营企业间接融资问题的分析框架,发现:信贷市场上由信息不对称所引致的逆向选择和道德风险造成了大量的银行信贷风险,为规避这种信贷风险,商业银行对民营企业实行信贷配给,造成了民营企业资金需求与间接融资体系资金供给的非对称,致使民营企业的资金来源存在着刚性缺口。因此为纾解民营企业的融资困境,必须进行金融体制创新,建立健全的信用担保体系,以降低银企交易成本、提高信息对称度来填补其金融缺口。Adverse selection and moral risk of non - stated owned business generated by the information asymmetry in the credit market leads to enomous bank credit risk. The credit system adopted by commercial bank in order to regulate and avoid such risk makes the asymmetry between non - state business' s capital demand and capital supply of indirect financial system.Thus there exists rigid financial gap in the non - state ovvned business' s capital provenance. To minish the finance gap we must innovate the financial system to reduce the transaction cost between bank and enterprise and to enhance the information symmetry.

关 键 词：商业银行 民营企业 资金供需缺口 间接融资体系 民间金融机构 贷款 信贷管理制度 信用担保体系 

分 类 号：F832.33[经济管理—金融学]