信贷合约内部机理及关键影响因素研究
发布时间：2019-01-03 15:43
【摘要】：以信号理论、信息不对称理论、关系型信贷理论以及债务代理成本理论等信贷合约相关理论为基础,围绕信贷合约的内部机理,即内生变量利率、担保和期限三者之间的相互关系以及影响信贷合约的关键外生变量,提出了本文需要验证的若干核心理论假设,在考虑信贷合约要素利率、担保和期限内生性的情况下,建立了结构方程模型,最后对结构方程模型解的识别进行了验证并给出了结构方程模型的理论求解。
[Abstract]:On the basis of signal theory, information asymmetry theory, relational credit theory and debt agency cost theory, this paper focuses on the internal mechanism of credit contract, that is, the endogenous variable interest rate. The relationship between guarantee and term, as well as the key exogenous variables affecting the credit contract, are put forward in this paper, and some core theoretical hypotheses are put forward, which take into account the interest rate of credit contract elements, guarantee and term endogeneity. The structural equation model is established. Finally, the identification of the solution of the structural equation model is verified and the theoretical solution of the structural equation model is given.
【作者单位】： 南京审计学院管理学院;中国建设银行陕西分行;
【分类号】：F830.4;F224
本文编号：2399580
[Abstract]:On the basis of signal theory, information asymmetry theory, relational credit theory and debt agency cost theory, this paper focuses on the internal mechanism of credit contract, that is, the endogenous variable interest rate. The relationship between guarantee and term, as well as the key exogenous variables affecting the credit contract, are put forward in this paper, and some core theoretical hypotheses are put forward, which take into account the interest rate of credit contract elements, guarantee and term endogeneity. The structural equation model is established. Finally, the identification of the solution of the structural equation model is verified and the theoretical solution of the structural equation model is given.
【作者单位】： 南京审计学院管理学院;中国建设银行陕西分行;
【分类号】：F830.4;F224
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