credit rationing 中文意思是什麼
credit rationing
解釋
貸款分配-
Reflecting on new keynesian credit rationing - an explanation of new economic constitution
一種新制度經濟學的詮釋 -
The procreant reason of credit rationing and its govern solution
信貸配給產生的原因及其治理措施 -
In recent years the banks of our country generally adopted rigid pledge credit rationing to small and medium - sized business with on information publication and high credit risk in order to avoid treaty violation risk caused by bad credit, and smb ' s entrance to credit market is restricted because of insufficient pledge assets
摘要近年來我國銀行為避免企業信用狀況不良導致的違約風險問題，對信息不透明、信用風險高的中小企業普遍採取嚴格的抵押品型信貸配給，而中小企業介入信貸市場普遍受到抵押資產不足的約束。 -
The model of this paper explores the links between the following factors and the credit rationing in china. the change of banks " attitude to credit risk may lead to credit rationing ; banks give much more emphasis on the trade cost and the payable value of collateral, which may give rise to credit rationing ; the decreasing of asset price during economic stagnation produces credit rationing ; the bias of banks " objective function from the maximization of profit and the transformation of the function relating to the reform of the financial system cause credit rationing ; if different parts of the whole markets are not integrated, the credit in the part with low capital return ratio will be rationed. during economic recession, banks tend to ration the credit in the high - risk market ; the removing of interest ceiling will narrow down the interest spread of deposit and credit at least during a period, which may strengthen credit rationing ; meanwhile, the vulnerable borrowers, including small and middle - sized enterprises, will get more credit from banks even though they have to pay a higher interest rate
論文的模型探討了下列因素和中國信貸配給現象之間的聯系：商業銀行對信貸風險的態度變化，在辨別和控制信貸風險上開始投入大量的成本，這一過程會導致信貸配給；商業銀行對與法治環境相關的交易成本和抵押品清償價值的日漸關注會導致信貸配給；宏觀經濟緊縮時期資產價格下降會導致信貸配給；商業銀行經營目標函數偏離利潤最大化，近幾年金融業改革過程使商業銀行目標函數發生變化，這一變化過程可能導致信貸配給；在市場分化的條件下，收益水平低的市場會遭受信貸配給；在經濟下滑時期，商業銀行尤其會對高風險市場配給信貸；利率市場化使商業銀行的存貸利差至少在一段時間內縮窄，利差縮窄可能加重信貸配給的程度：在利率市場化條件下，弱勢借款者，包括中小企業，遭受信貸配給的程度可能得到緩解，但支付的貸款利率水平將會升高。 -
Besides, improving the social environment of honesty and trust, clearing the property rights will help reduce credit rationing. on the macro - level, the following conclusions are drawn. the speed of economic growth will slow down owing to credit rationing ; over - borrowing, which is the other side of the coin, will bring a lot of negative effects to enterprises ; the flowing of credit capital from vulnerable market to advantageous market will reduce the welfare of the whole society, and enlarge the gap between these two kinds of markets, which will make the financial system much more fragile
論文分析了信貸配給在宏觀層面的影響，指出：信貸配給延緩了經濟增長的速度；過多借款與信貸配給現象是一個硬幣的兩面，過多的借款會撐死企業；遭受信貸配給的市場和未受信貸配給的市場並存會造成貧富不均的社會問題；信貸資金從弱勢市場向強勢市場的流動將使整個社會的福利受損，使兩個市場間的投資邊際回報差距更加擴大，從而使整個金融體系更加不穩定。 -
Thus this article points out that the key to solve the smes ' credit rationing is the improvement of information structure in smes ' credit market, rather than administration means
由此，本文認為通過行政手段解決中小企業信貸配給問題是不可取的，當前解決中小企業信貸配給問題的重心應當放在切實改善中小企業信貸市場的信息結構上。 -
People usually think that the low interest rate regulation and credit rationing financial policy plays an very important role for the recovery in japan after it was defeated in world war ii, and it is also a key factor in creating southeast asia ' s miracle
普遍認為，低利率管制和信貸配給的金融政策對于日本戰敗后的經濟復興起到了重要作用，在東南亞奇跡的創造中也可謂功不可沒。 -
There are four channels though international financial market : the interest rate, the price of nonmonetary assets, the exchange rate, and the credit - rationing
通過國際金融市場共有四條傳導途徑：利率、匯率、非貨幣資產和信貸配給。 -
Credit rationing is both ancient and young research area in the economics. adam smith has discussed the problem of credit rationing as early as 1776, moreover, credit rationing is an important question about money in19th century in england
信貸配給（ creditrationing ）是經濟學中一個既古老又年輕的研究領域，亞當?斯密（ adamsmith ）早在1776年論述高利貸的利率上限時就曾扼要地探討過信貸配給，而且，信貸配給還是19世紀英國關于金銀和貨幣的爭論中的一個重要問題（ viner ， 1937 ） 。 -
From the availability doctrine in 1950 ' s to the asymmetric information of credit market after the middle of 1970 ' s, the credit rationing theory that provides the micro - basis of credit rationing has been lasting for more than half of a century. the application process of economics development in credit market constitutes the outline of the credit rationing theory
解釋信貸配給現象的信貸配給理論在西方已經綿延了半個多世紀，從20世紀50年代在美國盛行的信貸「可能性學說」到70年代中期之後不完全信息下的信貸市場理論，理論經濟學的發展在信貸市場上的應用構成了信貸配給理論的脈絡。 -
First, this article reviewed the credit rationing theory development as well as the domestic and foreign research situation, and has carried on the explanation to several concepts ; then through analyzing the balanced credit rationing theory, find out the balanced credit rationing theory is not suitable to china, thus draws out the non - balanced credit rationing theory ; because the present domestic and foreign non - balanced credits rationing theory is imperfect, this article only embarks from our country to explain, at the same time carries on the empirical analysis of correlation between the non - balanced credit rationing and our country economical growth ; the non - balanced credit rationing which existed to our country has carried on the effect analysis in the fourth part, elaborated the positive and negative two aspects effect which the economy brought for our country ; finally, summarizes the analysis and obtains conclusion
本文首先回顧了信貸配給理論的發展以及國內外的研究情況，並對相關概念進行了解釋;然後通過對均衡信貸配給理論的分析，揭示了均衡信貸配給理論對中國是不適用的，從而引出非均衡信貸配給理論;由於目前國內外非均衡信貸配給理論上不完善，本文僅從我國出發進行闡釋，同時從多方面對非均衡信貸配給與我國經濟增長進行實證分析;在第四部分對我國存在的非均衡信貸配給進行了效應分析，論述了非均衡信貸配給給我國經濟帶來的正負兩方面的效應並針對負面影響給出解決對策;最後，總結分析所得的結論。 -
In fact, it ’ s the state that interest rate can ’ t clear market and there is an excess need of credit in the credit market. because of that, the credit rationing behavior could be separated into equilibrium credit rationing behavior and non - equilibrium credit rationing behavior. the monetary policy transmission mechanism is the process that the
可以得出結論:在擴張性貨幣政策時期，信貸配給的影響較緊縮性貨幣政策時期更為嚴重，貸款增長對經濟增長的影響最為顯著，但是貸款量對于經濟增長的影響隨著經濟體系的完善開始減弱。 -
In the fourth chapter, a bank - enterprises credit model has been set up to analyze credit rationing in indirect financing risk, which helps to find proper measures lessening the information asymmetry and moral risk in credit. lastly the author puts forward several suggestions for the controllment of medium and small - size enterprises " financing risk. the sticking - point of this paper is to review the dynamic game played between bank and medium and small - size enterprises providing some advice in detail to depress the moral risk and converse choice in the financing process of medium and small - size enterprises
其中，第三章探索了中國中小企業融資過程中存在的各類風險動因、特徵和效應；建立綜合評價中小企業融資風險的指標體系；第四章則針對間接融資渠道對于企業的重要程度，建立銀行和企業借貸模型，定量分析導致間接融資風險中「惜貸」風險的因素? ?信貸配給，並進一步從理論上尋求降低銀行和企業間信息不對稱、防範資金信貸中的道德風險和逆向選擇的方法。 -
Economic analysis of credit rationing on private housing in china
我國個人住房信貸市場信貸配給的經濟分析 -
The model of credit rationing under the condition of different regions and market segmentation
我國信貸配給區域間差異及市場分化模型 -
Analysis of credit rationing by chinese formal rural finance - an empirical analysis based on simultaneous discret choice model
一個聯立離散選擇模型的實證分析 -
It focuses on the different credit rationing of agriculture economic organizations in different credit markets
研究表明，涉農經濟組織由於信用風險高而被排除在配給范圍之外。 -
On financing supply side, there is credit rationing of the lender due to asymmetric information, adverse selection and moral hazard
在融資供給方面，由於信息不對稱、逆向選擇和道德風險的原因而存在信貸配給。 -
First, the narrow credit channel is not smooth, it is mainly due to the equilibrium credit rationing of commercial bank
首先，我國狹義的信貸渠道的傳導出現了一些不順暢。這主要是由於商業銀行多重經營目標下的均衡信貸配給導致的。 -
But by far neither well - grounded explanations nor rationalization proposals were put forward. whereas as early as the beginning of last century, western scholars had noticed the phenomenon in credit market that borrowers couldn ’ t get loans at current interest rate even though they were willing to pay the rate. this phenomenon was defined as “ credit rationing ”, and was gotten explanations from aspects of availability of credit, factors of risks and interest rate, implicit credit contract, imperfect information, implementation of credit contract and legal system
另一方面，早在上個世紀初，西方學者就注意到了信貸市場中這種借款人願意支付現行利率，卻不能按照這種利率獲得貸款的現象，將其定義為「信貸配給」 （ creditrationing ） ，並從信用可獲性、風險與利率因素、隱含性信貸合約、不完全信息、信貸合同的執行和法律制度等角度進行了解釋，但這些主要以完善市場經濟為研究對象的理論僅一定程度上適合中國農村，轉型時期的中國農村信貸配給現象還需要結合其特殊的經濟、金融情況進行解釋。
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