团体连带责任关系下的银行信贷契约设计
发布时间：2018-11-18 12:21
【摘要】：关系成员之间的信息交换与共享为银行构建新型信贷契约提供了基础。本文的研究着眼于抵押不足的借款者,从银行占优的立场出发,以借款者通过收益共享方式自发组成的团体为研究设定,从形成团体连带责任关系分析入手,提出银行为具有连带责任关系的团体成员提供贷款的契约设计。研究结果表明,银行可以通过设计契约在连带责任的团体贷款下实现最大化利润。
[Abstract]:The exchange and sharing of information among relational members provide the basis for banks to construct new credit contracts. This paper focuses on the borrowers with insufficient mortgage, starting from the dominant position of the bank, taking the group formed spontaneously by the way of income sharing as the research setting, starting with the analysis of the formation of the joint and several liability relationship of the group. This paper proposes a contractual design for banks to provide loans to group members with joint and several liability relationships. The results show that banks can maximize their profits by designing contracts under group loans with joint and several liabilities.
【作者单位】： 东华大学工商管理学院;
【基金】：国家社会科学基金项目“银行面向中小企业的信贷信息共享机制、契约设计及制度建设研究”(14BJL034)
【分类号】：F830.5;F224
本文编号：2340026
[Abstract]:The exchange and sharing of information among relational members provide the basis for banks to construct new credit contracts. This paper focuses on the borrowers with insufficient mortgage, starting from the dominant position of the bank, taking the group formed spontaneously by the way of income sharing as the research setting, starting with the analysis of the formation of the joint and several liability relationship of the group. This paper proposes a contractual design for banks to provide loans to group members with joint and several liability relationships. The results show that banks can maximize their profits by designing contracts under group loans with joint and several liabilities.
【作者单位】： 东华大学工商管理学院;
【基金】：国家社会科学基金项目“银行面向中小企业的信贷信息共享机制、契约设计及制度建设研究”(14BJL034)
【分类号】：F830.5;F224
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