信用担保对银行向中小企业融资的决策影响分析

THE ANALYSIS OF BANK'S FINANCING DECISION FOR SMALL BUSINESS UNDER CREDIT GUARANTEE

本文分析了中小企业能从银行获得贷款的项目风险范围,得出:提高抵押条件,可以使得风险范围扩大.当中小企业的抵押品不足时,不能从银行获得贷款的情况下,我们引入了政策性信用担保机构,分析显示了担保下企业获得担保贷款的项目风险范围,并给出了在担保机构无盈利时的担保费率公式.

This paper analyzes the success probability interval that small business can receive loan from the bank. The scope of probability interval can increase when the mortgage requirement increased. However, when the small business cannot provide sufficient mortgage and cannot receive the loan from the bank. We introduce credit guarantee institutions which aimed to help small business and then the success probability interval that can get credit insurance is derived. At last, the rate of credit guarantee fee under the zero-profit of credit guarantee institution has been presesnted by the model.