摘要
银行业是基于信息问题而产生的,银行获取和处理信息的能力很大程度上决定了其信贷决策的效果。中国作为转轨经济国家,其金融体系属于银行导向型。关系型融资能够有效解决信贷决策所依托的信息充分性和准确性。本文通过构建意会信息生产模型解释了银行对企业进行一定关系专用性投资并改善银企关系质量有助于银行信贷决策。与关系型融资相适应的银行组织创新可以提高信贷决策中的信息及时性并减少信息成本。
Banking sector is generated based on the information.The capacity of gathering and processing information determines the effectiveness of its credit decision.China as a transition economy country,its financial system belongs to the Bank-oriented.Relational financing can effectively resolve credit decision by relying on the adequacy and accuracy of information.We create a model of tacit information production to analyze the role of relationship specific investment and the quality of the relationship between banks and enterprises,which can help the bank credit decisions.And the corresponding organizational innovation of commercial banks can improve the timeliness of information in decision-making and reduce information costs.
出处
《中南财经政法大学学报》
CSSCI
北大核心
2009年第6期91-96,共6页
Journal of Zhongnan University of Economics and Law
关键词
关系型融资
意会信息
信贷决策
Relational Financing
Tacit Information
Credit Decision
