本文關(guān)鍵詞：民營企業(yè)與國有企業(yè)信貸配給程度研究　出處：《首都經(jīng)濟貿(mào)易大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 信貸配給 市場結(jié)構(gòu) 改革

【摘要】：信貸配給是一種在信貸市場上常見的現(xiàn)象，其表現(xiàn)為對于借款人的信貸需求不能得到充分滿足。經(jīng)典的新凱恩斯主義信貸配給理論為S-W模型，，它解釋了在信息不對稱的條件下，利率具有選擇效應(yīng)和激勵效應(yīng)，利率的逆向選擇效應(yīng)和激勵效應(yīng)會導(dǎo)致事前的逆向選擇和事后的道德風(fēng)險，最終貸款人在追求自身利潤最大化的目標下實行信貸配給成為一種均衡現(xiàn)象。結(jié)合我國經(jīng)濟實踐來看，民營經(jīng)濟在改革開放三十多年來取得跨越式發(fā)展，從經(jīng)濟比重、就業(yè)人員到納稅總額都成為社會主義市場經(jīng)濟的重要組成部分，盡管民營企業(yè)的地位目前已得到空前提高，但是其發(fā)展仍然不可避免地受到許多現(xiàn)有體制的限制，其中民營企業(yè)融資難問題一直都是學(xué)術(shù)界和企業(yè)界探討和研究的難題。國有企業(yè)幾十年來的改革形成了國有企業(yè)基本處于壟斷行業(yè)而民營企業(yè)處于競爭行業(yè)的市場結(jié)構(gòu)，在這種體制下，基于S-W模型可以得出民營企業(yè)所受信貸配給更加嚴重的結(jié)論。黨的十八大的勝利召開再次確立了價格機制是配置資源的決定力量，因此加快推進我國經(jīng)濟體制改革，針對國有企業(yè)以及銀行體系的改革應(yīng)進一步深化，打破現(xiàn)行壟斷體制將為我國社會主義市場經(jīng)濟的發(fā)育完善貢獻力量。
[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.

【學(xué)位授予單位】：首都經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.5;F276.1;F832.4

【參考文獻】

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1 崔建華;牛e

本文編號：1394590