摘要
中小企业贷款难是一个世界级的金融难题,在中国显得尤为突出。本文运用博弈理论从商业银行的角度分析得出,信贷市场的信息不对称使得缺乏抵押或者担保的优质中小企业很难从银行体系获得资金支持。解决中小企业贷款难问题绝不是商业银行单方面的事情,首先需要中小企业稳健经营、诚信经营,培育良好的企业文化,累计良好的信誉;其次,需要政府出台政策加大对中小企业的扶持力度;金融监管部门要进一步优化金融环境,推进信用体系建设,增进优质中小企业的信用级别;商业银行应该积极转变经营方式,实施差别化的经营模式,加大对优质中小企业的信贷支持。
＂Small and medium enterprises（SMEs） getting few Loan＂ is one of the world-class financial problems,is particularly prominent in China.Using game theory and standing in a bank＇s perspective,this paper got some conclusions： because of Chinese credit market＇s information being asymmetry,Some good SMEs lack of collateral or guarantee have much difficult to obtain financial support from banking system.Solution of this problem needs efforts of SMEs,governments,financial regulators and banks：first,SMEs should manage stably,foster enterprise culture,and accumulate good reputation;Second,governments make policies to support SMEs;financial regulators should further optimize the financial environment,promote the credit system,enhance the credit quality of SMEs;commercial banks should also change mode of operation,implement differentiated business model,increase the quality of credit support to SMEs.
出处
《上海金融学院学报》
2011年第2期47-53,共7页
Journal of Shanhai Finance University
关键词
中小企业
博弈理论
贷款
small and medium enterprise
game theory
credit
