| 中小企业贷款困难的博弈分析 |
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| 引用本文： | 高艳红,尹万娇.中小企业贷款困难的博弈分析[J].郑州航空工业管理学院学报(社会科学版),2005,24(1):131-133,137. |
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| 作者姓名： | 高艳红 尹万娇 |
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| 作者单位： | 郑州大学,商学院,河南,郑州,450052 |
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| 摘 要： | 在当前金融体制下,我国中小企业普遍存在融资困难,特别是贷款困难的问题.造成中小企业贷款困难的主要原因是银企之间缺乏正常的信用关系.文章运用博弈论的方法分析了银企信用信息不对称情况下,中小企业贷款难的形成机理,进而从制度层面出发,提出两种解决办法,即企业信用信息体系建设和法律体系、抵押担保体系建设.
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| 关 键 词： | 中小企业 信用信息不对称 企业信用信息系统 法律保障 抵押担保 |
| 文章编号： | 1009-1750(2005)01-0131-03 |
| 修稿时间： | 2004年11月30 |
Analysis on Game Theory of Credit Difficulty of Medium and Small Enterprises |
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| GAO Yan-hong,YIN Wan-jiao.Analysis on Game Theory of Credit Difficulty of Medium and Small Enterprises[J].Journal of Zhengzhou Institute of Aeronautical Industry Management(Social Science Edition),2005,24(1):131-133,137. |
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| Authors: | GAO Yan-hong YIN Wan-jiao |
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| Abstract: | The financing difficulty of medium and small enterprises (MSES) universally exists in China. Credit difficulty is the main difficulty in today's financial system, the main reason of which is the shortage of normal credit relationship between the banking and MSES. This paper has an analysis on the forming mechanism under the circumstances of credit information asymmetry by using game theory. Then the author puts forward two key solutions from the perspective of system. Two solutions are the constructions of credit information system , law system and mortgage system. |
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| Keywords: | medium and small enterprises credit information asymmetry credit information system law protection mortgage guarantee |
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