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A credit policy study of Chinese banks on small and medium-sized enterprises

机译:中国银行对中小企业的信贷政策研究

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摘要

In recent years, there is rising attention on the difficult financing problems of small and mediumsized enterprises (SMEs). With constant development and improvement in China's socialist market economy system, SMEs is becoming a pivotal part of China's national economy. It can be said that the development of SMEs makes a great contribution to China's national economy development. However, SMEs are facing financing bottlenecks at the same time. This is not only because of the limited financing capabilities of SMEs themselves but also because of the various commercial bank credit policies. It is necessary to solve credit policy problems between SMEs and banks, not only for SMEs but also for the further development of commercial banks. This paper analyses the problems and the reasons of "credit grudging" behavior of China's commercial banks and SMEs financing difficulties through a critical analysis. This paper also uses the method of the dynamic game theory to probe into credit problems between SMEs and commercial banks under the condition of information asymmetry. At the end of the paper, conclusions are made and suggestions are proposed for a win-win solution concerning credit policy problems between SMEs and commercial banks.
机译:近年来,人们越来越关注中小企业的融资难题。随着中国社会主义市场经济体制的不断发展和完善,中小企业正在成为中国国民经济的重要组成部分。可以说,中小企业的发展为中国国民经济的发展做出了巨大的贡献。但是,中小企业同时面临融资瓶颈。这不仅是由于中小企业本身的融资能力有限,而且还因为各种商业银行信贷政策。有必要解决中小企业与银行之间的信贷政策问题,不仅对中小企业而言,对于商业银行的进一步发展也是如此。本文通过批判性分析,分析了我国商业银行和中小企业融资难的“贷方”行为及其成因。本文还采用动态博弈的方法,探讨了信息不对称条件下中小企业与商业银行之间的信用问题。最后,对中小企业与商业银行之间信贷政策问题的双赢解决方案进行了总结并提出了建议。

著录项

  • 作者

    Zheng Xiaosong;

  • 作者单位
  • 年度 2014
  • 总页数
  • 原文格式 PDF
  • 正文语种 en
  • 中图分类
  • 入库时间 2022-08-20 20:11:39

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