摘要
在银行业日趋开放和竞争激烈的形势下,传统意义上以信贷合约优化为目的的信贷退出,正随着金融市场的发展,而扩展为全部缔约人和整个金融体系的选择与效率问题。本文综合了国外有关信贷退出的理论成果,并结合了我国正在进行的信贷退出实践,建立了有关信贷退出分析的一般框架,并指出由技术变化和金融体系多样化导致的信贷退出,正在改变传统信贷合约的性质,而赋予更多市场化的管理与交易手段。
In the condition of the banking opening and competition, the loans exit based on the optimal debt contract is changed to other aspects, such as enterprises, inhabitant and financial system's choice and efficiency The paper integrates the west theory fruits about loans exit, contacts with the facts in our country, presents the frame of study, puts forward the view of loans exit coming from the technology change and financial system diversification, which changed the traditional credit contract and got more and more market ways in management
出处
《国际金融研究》
CSSCI
北大核心
2005年第4期66-71,共6页
Studies of International Finance
