双重信贷担保的路径依赖分析

发布时间：2017-12-31 05:26

本文关键词：双重信贷担保的路径依赖分析　出处：《中南财经政法大学学报》2010年04期 　论文类型：期刊论文

【摘要】：双重信贷担保是政府干预信贷市场的必然产物,是金融市场竞争不完全的表现。双重信贷担保不仅具有报酬递增的特征,而且还有助于克服信贷市场上的信息不对称,降低市场不完全所产生的高额交易成本,达成信贷交易,所以它在借助政府干预来强化自身地位之际,既发挥了稳定和繁荣信贷市场的作用,又确保了信贷市场体制改革的平稳推进。这意味着,双重信贷担保是金融市场制度变迁中的一个路径依赖现象,虽然它有损经济效率,但是,这却不妨碍其继续存在。
[Abstract]:Double credit guarantee is the inevitable outcome of government intervention in credit market and the incomplete performance of financial market competition. Double credit guarantee is not only characterized by increasing returns. It also helps to overcome the information asymmetry in the credit market, reduce the high transaction costs caused by the incomplete market, and achieve credit transactions, so it can strengthen its position with the help of government intervention. It not only plays the role of stabilizing and prospering the credit market, but also ensures the smooth progress of the reform of the credit market system, which means that the double credit guarantee is a path dependence phenomenon in the financial market system change. While it undermines economic efficiency, it does not prevent its continued existence.
【作者单位】：石河子大学经贸学院/财政与金融研究所;
【基金】：石河子大学经济研究院2009年度公开招标课题“兵团经济发展中的信贷担保问题研究”(SER09-05),石河子大学研究生精品课程建设规划项目“制度经济学”(2009yp-kc05)
【分类号】：F832.4
【正文快照】： 在对新疆生产建设兵团(以下简称新疆兵团或兵团)各师团的信贷担保问题进行实地调研时,笔者发现,双重信贷担保是一个普遍存在的现象。以农八师145团场为例,为解决中小企业、个体养殖户和种植户的融资难问题,专门成立了投资经营公司。对于那些有着资金需求且自认为符合贷款条件

【参考文献】