摘要
信贷配给理论研究不对称信息条件下自由竞争信贷市场运行机制,对我们理解信贷市场的运行具有重要的指导意义。本文详细论述了信贷配给理论的发展过程,阐明了信贷配给基本模型及其含义,并介绍了信贷配给模型在各方面的扩展。最后简要探讨了信贷配给理论对我国金融体制改革的启示。
The purpose of this essay is two - fold. One is to describe a picture of the development of the prevalent credit rationing theory: from its theoretical background to the basic Stiglitz - Weiss credit - rationing model to its extensions; the other is to give a brief discussion of its implications to the great reform of China.
出处
《首都经济贸易大学学报》
2005年第4期28-31,共4页
Journal of Capital University of Economics and Business
关键词
信贷配给
道德风险
逆向选择
金融改革
credit rationing
moral hazard
adverse selection
financial reform
