摘要
关系型贷款理论近年来受到众多学者的关注。本文将对相关理论进行文献综述,并对国外的相关经验和教训予以研究。同时,还将结合我国的具体情况,梳理该理论在我国的发展,并提出结论,对我国发展关系型贷款缓解中小企业融资难问题具有一定的现实意义。
参考文献9
-
1Banerjee, A.V., Besley, T., Guinnane, T.W., 1994. Thy neighbor's keeper: The design of a credit cooperative with theory and a test. Quarterly Journal of Economics 109, 491-515.
-
2Berger, A. N., Udell, G. F., Relationship lending and lines of credit in small firmfinance. Journal o f Business, 68 ,1995, pp. 351 -381.
-
3Berlin, M., Mester, L. J., On the profitability and cost of relationship lending. Journal o f Banking and Finance, 22,1998, pp. 873 -897.
-
4Berger, A. N., Udell, G. F., Small Business Credit Availability and Relationship Lending : The Importance of Bank OrganizationalStructure. The Economic Journal, 112,2002, pp. 32 - 53.
-
5LucLaeven, Financial Restructuring in Systemic Crises:What Policies to Pursue? (2001).
-
6曹敏,何佳,潘启良.金融中介及关系银行——基于广东外资企业银行融资数据的研究[J].经济研究,2003,38(3):44-53. 被引量:86
-
7周好文,李辉.中小企业的关系型融资——实证研究及理论释义[J].山西财经大学学报,2004,26(2):96-101. 被引量:29
-
8何韧.论银行关系借贷的价值与风险[J].财经论丛(浙江财经学院学报),2005(2):71-75. 被引量:18
-
9吴洁.中小企业关系型贷款的价值与发展对策[J].审计与经济研究,2007,22(5):85-87. 被引量:5
二级参考文献40
-
1Rerlln. M. and Mester, L J. (1998). On the profitability and cost of relationship lending. Journal of Banking and Finance 22:873 - 97.
-
2HeUmann, T. Murdock, K. and Stiglitz, J. (1997) Financial Restraint: Toward a New Paradigm. In Auki, H. IGm, H. and Okuno-Fuiiwara. ed: The Role Government in East Asian Economic Development. Oxford University Press. 163 - 207.
-
3Diamond, D. W. (1991). Monitoring and Reputation: The Choice Between Bank Loans and Directly Placed Debt. Journal of Political Economy 99, 689 - 721.
-
4Boot, A. W. A. and Thakor, A. V. (1994). Moral hazard and secured lending in an infinitely repeated credit market game. International Economic Review,. 35, 899- 920.
-
5Kolting, H. (1998) Lending relationship in Germany Empirical evidence from Survey data. Journal of Business and Finance. 22: 1317-1353.
-
6Angelini, P. ; Di Salvo, R. and Ferri, G. (1998). Availability and Cost of Credit for Small Businesses: Customer Relationships and Credit Cooperatives. Journal of Banking and Finance 22 : 925 - 954.
-
7Degryse, H. and Van Cayseele, P. J. G. (2000). Relationship lending within a bank - based system: evidence from European small business data. Journal of Financial Intermediation, Vol. 9, No. 1 : 90- 109.
-
8Weinstein, D. E. and Yafeh, Y. (1998). On the cost of a bank centered financial system: Evidence from the changing main bank relations in Japan. Journal of Finance 53 : 635 - 672.
-
9Machauer, A. Weber, M. (1999) Number of Bank Relationships: an Indicator of Competitions, Borrower Quality, or just Size. Mimeo.University of Mannheim.
-
10青木昌彦.比较制度分析[M].上海:上海远东出版社,2001..
共引文献121
-
1郭娜,范书亭,李坤青.银企关系视角下我国中小企业信贷约束研究——中小企业融资调查问卷的分析[J].投资研究,2020(6):26-35. 被引量:8
-
2向俊.浅析中小企业的关系型融资[J].消费导刊,2009,0(9):97-97. 被引量:3
-
3崔向阳,赵卫兵.关系借贷的实证分析——基于上市公司数据的研究[J].浙江社会科学,2004(5):110-115. 被引量:8
-
4朱闰龙.关系型融资、市场竞争与中小企业融资[J].中国经济问题,2004(6):10-19. 被引量:6
-
5周好文,李辉.中小企业的关系型融资:实证研究及理论释义[J].南开管理评论,2005,8(1):69-74. 被引量:39
-
6高巍.中小企业信用担保制度的国际经验及启示[J].北方经贸,2005(2):93-95. 被引量:8
-
7阮铮,李晖.中小商业银行与关系型融资[J].沈阳理工大学学报,2005,24(2):67-70. 被引量:2
-
8吴洁.中小企业关系型贷款定价行为研究——以江苏省某国有银行县级支行为例[J].南京师大学报(社会科学版),2005(6):63-68. 被引量:5
-
9杨发勇,欧宏政.完善高校财务管理体制的几点建议[J].财政监督,2005(12):58-59.
-
10唐淑君.关于我国新型银企关系的探讨[J].市场论坛,2005(11):85-86.
-
1潘旭乐.努力营造关系型银行[J].金融电子化,2002(4):36-36.
-
2何健.关系型银行未来金融发展趋势探讨[J].信息系统工程,1999(4):28-28.
-
3余磊,冯建.“钱荒”背景下城市商业银行多元化战略研究[J].理论探讨,2014(2):97-100. 被引量:4
-
4李琳,粟勤.关系型银行与中小企业贷款的可获得性——对中小企业问卷调查的实证分析[J].金融论坛,2011,16(4):51-58. 被引量:13
-
5魏松涛.浅析小微信贷零售化的社区银行经营[J].新经济,2014(29):55-56.
-
6粟勤,高旋.商业银行个人客户行为与关系型银行的建立和维护[J].海南金融,2009(10):71-73. 被引量:2
-
7王伟,彭鹏.货币政策、经营环境与民营上市公司政治关系型银行贷款[J].上海金融,2014(8):8-15. 被引量:4
-
8何德旭,饶明.中小企业融资困局:新解与出路——银行经营模式定位视角[J].当代经济科学,2008,30(6):74-78. 被引量:7
-
9饶明.发展社区银行为中小企业债务融资破局[J].北京金融评论,2012(2):127-139.
-
10彭文平.中国银行体系关系型信贷的有效性——基于宣告效应的研究[J].财经研究,2009,35(5):74-84. 被引量:3