摘要
中小企业有效信贷需求对我国经济发展具有深刻的影响。中小企业有效信贷需求不足是在资金需求方缺乏自有抵押能力和资金供应方信贷管理制度导致信息不对称的条件下,由于委托代理关系而产生的有限次重复博弈的结果。由此,应建立激励相容的微观信贷管理制度,降低信息不对称程度,改善银行与企业的博弈条件;应建立健全法律法规,推行国内信用证;中小企业应从自身的经营中衍生出内源抵押能力以增加其有效信贷需求。
Effective credit loan demand of small and medium -sized firms has deep impact upon China＇s economy development. Their insufficient demand is the consequence with limited times of duplicated gaming resulted from principal - agent relationship under the condition of an imformatcon dissymmetry between money demandereris lack of internal generating mortgage ability and money supplier＇s credit loan management system, Therefore, an incentive compatible micro - credit loan management system should be established to lower the extent of information dissym- metry and improve gaming terms for the bank and the enterprises; sett up perfect laws and regulations with adoption of domestic letter of credit; it＇s necessary for the small - and medium - sized firms to derive internal generating mortgage ability from its operation and management so as to increase its demand for effective credit loan.
出处
《河南金融管理干部学院学报》
2007年第1期30-35,共6页
Journal of Henan College of Financial Management Cadres
关键词
中小企业贷款
信贷需求
正规金融
高管任期
内源抵押能力
loan for small - and medium - sized firms
demand for credit loan
regular finance
top executive prefecture
internal generating mortgage ability
