信息共享对商业银行与中小企业授信的影响

Influence of Information Sharing on the Credit Action Between Commercial Bank and Middle and Small Business

指出了当前商业银行与中小企业资金供求的矛盾主要表现在信息的不对称,从经济意义和数理分析2方面界定了授信额度的概念,通过介绍2种不同信息环境下的授信额度确定模型,分析了信息共享对银企授信行为的潜在影响以及对武汉市银企信贷的启示。

The article offered an opinion that the contradiction between commercial bank and middle and small business on the capital supply and demand was mainly incarnating in the asymmetry of information, Then the conception from the aspects of economic meaning and arithmetic formula was defined. Two models about how to confirm the line of credit in two different information environments and analyze the potential impaet which was offered by information sharing on the credit action between cornmereial bank and middle and small business were introduced,