商业银行利率选择与信贷配给问题研究

目前我国经济高速发展,但融资难的问题一直阻碍中小企业的进一步发展,这是多方原因造成的.其中长期存在于信贷市场中的信贷配给(credit rationing)现象、银行利率选择问题一直为国内学术界所关注,但是对于形成信贷配给的银行与企业的决策过程关注得不多.笔者从传统的信贷市场均衡入手,着重分析了信贷市场的利率选择、最优利率形成原则以及信贷配给产生的原因,以期对我国进行宏观经济调整起到一定的借鉴作用.

A study of the equilibrium between interest rate selection and credit extension in banks

Currently,China's economy is developing rapidly and at the same time the difficulty of fund-raising has been an obstacle for the development of small and middle enterprises owing to various factors.For a long time being,the domestic academic research has been focused on credit rationing and interest rate in the credit market.However,little attention has been paid to the credit rationing decision process of banks and enterprises.Beginning with the balance of credit market,this article mainly analyses the basic rule of credit rate selection in credit markets,optimizes the rate and the reason for credit rationing which can be used as a reference for the macroeconomic adjusting in China.