Research on the Small and Medium-sized Enterprise Credit Contract Equilibrium Model under the Bank Monopoly and Interest Rate Limit

摘要

In the bank monopoly and interest rate limited small and medium-sized enterprise credit market, because of the asymmetry information, the contract design of credit of commercial bank should be under the incentive compatibility design of innovative talents and the small and medium-sized enterprise credit contract equilibrium model should also be established under this condition. By the analysis of this credit model, the paper explained in our country, the bank monopoly and interest rate limit in the small and medium-sized enterprise credit market are the key reasons of the low efficiency of small and medium-sized enterprise credit and financing market.