摘要
通过工商银行A县支行2003年贷款案例,可见当前中小企业贷款难问题一斑。本文运用银企动态博弈的分析方法,研究当前我国中小企业与商业银行就贷款问题展开的动态博弈,揭示我国当前中小企业融资难的生成逻辑。并从信用评级、相关法律、金融创新、政府扶持几个方面为解决这一问题提供思路探索。
This paper shows the fact about small and medium-sized enterprises' disadvantages on loan by those statistics data of a county branch bank of ICBC, and studies the credit incentive behavior about loan between commercial banks and those enterprises by the method of the dynamic game analysis. It concludes the inner logic for the difficulties encountered by small and medium - sized enterprises in financing. At last, we propose some solutions to solve the problem by credit rating system, relative laws, financial innovation and the supports of government.
关键词
中小企业
博弈
商业银行
贷款结构
融资
small and medium-sized enterprises
commercial bank
game
solutions
