中国转型期信贷配给问题研究

A Research on Credit Ration in the Transitional Period in China

西方信贷配给理论以现代市场经济为背景,自凯恩斯学派开始就一直被作为银行信贷风险管理的有效手段和货币政策发挥作用的重要渠道。我国自改革开放以来,信贷市场交易的市场化程度已大大提高,信贷配给现象普遍存在且带有特殊性。西方的该理论在一定程度上适合于中国,但在经济转型时期,信贷资源的这种配置是缺乏效率的。本文从宏微观层面展开分析,探讨现阶段信贷配给问题缓解的现实选择。

The western theory of credit ration is under the background of the modem market economy. It has been regarded as a good method of credit risk management and an important approach for money policy since the school of Adam. Smith and Keynes. With the development of our credit market, the phenomenon of credit ration exists widely, but it is different from that in western country. This paper firstly analyzes the phenomenon of credit ration, then focuses on the efficiency of macro-economy or micro-economy by the credit ration. In the end, this paper discusses how to solve the problems caused by credit ration.