摘要
本文依托于Hodgman模型,通过严格假设,对Hodgman曲线进行简化抽象,并以此作为分析工具,通过对信贷市场上贷款供给和贷款需求曲线的界定并引入贷款需求这一变量来分析信贷的有效需求变动对信贷配给程度的影响,主要结论有:(1)当r∈(0,rm]时,在信贷市场中,贷款需求曲线越平坦,信贷配给程度越加剧,即贷款需求对利率的弹性越大,信贷市场中的配给现象就越普遍。(2)当r∈[rm,rh]时,在信贷市场中,贷款需求的增加将完全加剧信贷配给。
The article relies on the Hodgman models,through rigorous assumptions and simplified abstraction of the Hodgman curve.Through the definition of loan supply and loan demand curves,We try to find that Changes in Loan Demand to Impact on Credit Rrationing Level.the main conclusions are：（1） when r∈（0,rm],in the credit markets,the more flater loan demand curve,the more aggravated degree of credit rationing,that is,demand for loans to interest rate reaction is sensitive to the phenomenon of credit rationing in the market more generally.（2） When r∈,the increase in demand for loans will be fully exacerbate credit rationing.
出处
《南京财经大学学报》
2011年第2期39-45,共7页
Journal of Nanjing University of Finance and Economics
基金
国家自然科学基金<信贷配给约束下的企业家异质性特征与中小企业信贷融资研究>(项目编号:70872081)
