民营企业与国有企业信贷配给程度研究

发布时间：2018-01-07 23:06

本文关键词：民营企业与国有企业信贷配给程度研究　出处：《首都经济贸易大学》2014年硕士论文　论文类型：学位论文

【摘要】：信贷配给是一种在信贷市场上常见的现象，其表现为对于借款人的信贷需求不能得到充分满足。经典的新凯恩斯主义信贷配给理论为S-W模型，，它解释了在信息不对称的条件下，利率具有选择效应和激励效应，利率的逆向选择效应和激励效应会导致事前的逆向选择和事后的道德风险，最终贷款人在追求自身利润最大化的目标下实行信贷配给成为一种均衡现象。结合我国经济实践来看，民营经济在改革开放三十多年来取得跨越式发展，从经济比重、就业人员到纳税总额都成为社会主义市场经济的重要组成部分，尽管民营企业的地位目前已得到空前提高，但是其发展仍然不可避免地受到许多现有体制的限制，其中民营企业融资难问题一直都是学术界和企业界探讨和研究的难题。国有企业几十年来的改革形成了国有企业基本处于垄断行业而民营企业处于竞争行业的市场结构，在这种体制下，基于S-W模型可以得出民营企业所受信贷配给更加严重的结论。党的十八大的胜利召开再次确立了价格机制是配置资源的决定力量，因此加快推进我国经济体制改革，针对国有企业以及银行体系的改革应进一步深化，打破现行垄断体制将为我国社会主义市场经济的发育完善贡献力量。
[Abstract]:Credit rationing is a common phenomenon in the credit market, the performance for the borrower's credit demand can not be fully met. Keynes's new classic credit rationing theory is the S-W model, it explains under the condition of asymmetric information, the interest rate has the effect and incentive effect, the rate of adverse selection effect and incentive effect the moral risk will lead to the converse choice and the implementation, the lender of last resort in the pursuit of profit maximization under an equilibrium phenomenon as credit rationing. Combined with China's economic and practical point of view, the private economy in the thirty years of reform and opening up to achieve leapfrog development, from the economic proportion of employment to the total tax have become an important part of the socialist market economy, although the status of private enterprises has been improved greatly, but its development is still inevitably affected To many of the existing system, the problem of difficult financing of private enterprises is always a difficult problem in academic circles and business circles to discuss and research. The state-owned enterprises in decades of reform and the formation of state-owned enterprises in monopoly industries and private enterprises in the market competition structure of the industry, and in this system, the S-W model can be obtained by private enterprises by credit rationing more serious. Based on the conclusion of the party's eighteen big victory is held once again established the price mechanism is the decisive force in the allocation of resources, thus speeding up China's economic system reform, the reform of state-owned enterprises and the banking system should be further deepened, break the monopoly system will contribute to the improvement of China's socialist market economy development.

【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.5;F276.1;F832.4

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