摘要
当前,由于民营企业自身缺陷和金融机构供给不足,我国民营企业很难通过资本市场和债务市场融资。信用博弈模型分析结果表明,在不考虑费用成本的情况下,民营企业能否获得贷款,完全取决于银行推断企业信用好坏的概率。因此,民营企业应塑造良好的信用形象,并根据自身所处的发展阶段,采取相应的融资策略。
At present,owing to their own defects and insufficient supply from financial institutions,it is hard for non-governmental enterprises in China to be financed through capital and bond markets.Analysis on credit gaming models shows that without considering the costs,whether non-governmental enterprises can obtain loans depends entirely on the probability how the bank infers corporate credit quality.Therefore,it's necessary for non-governmental enterprises to create a good credit profile and take the appropriate financing strategies according to their own development status.
出处
《征信》
北大核心
2011年第3期13-15,共3页
Credit Reference
关键词
民营企业
融资难
信用博弈模型
融资策略
non-governmental enterprises
financing
credit game model
financing strategy