摘要
降低银行与企业间的信息不对称是缓解民营企业融资难的突破点。作者通过构建一个简化的银行合作模型,就大银行和小银行依靠发挥各自比较优势的合作,来为民营中小企业提供信贷融资进行分析研究。研究表明,通过合作不仅可以实现大银行、小银行的"双赢",还有助于有效降低交易成本,使民营中小企业得到更多的信贷支持。
Reducing the asymmetric information between banks and enterprises is the breakthrough to alleviate the difficulty of private enterprises＇ financing. Through building a simple bank - cooperation model, the authors analyze and research the cooperation of large banks and small banks depending on exerting their comparative advantages in order to provide credit financing for small and medium private enterprises. The research reveals that cooperation can not only realize the win - win of large banks and small banks but also help to reduce transaction cost effectively, and make small and medium private enterprises obtain more credit support.
出处
《经济经纬》
CSSCI
北大核心
2009年第1期116-119,共4页
Economic Survey
基金
河北省科技厅博士资金项目(04547003D-4)阶段性成果
关键词
民营企业
融资
交易成本
银行
合作
private small - medium enterprise
financing
transaction cost
bank
cooperation
