商业银行应对出口船舶融资的博弈策略研究

Shipping Finance Research on Game Strategies of Commercial Banks′ Dealing with Financing of Export Ships

造船发达国家的经验表明,金融对造船行业的发展和船舶出口的增长具有很好的促进作用。但在我国的融资环境中,商业银行是间接融资的主体,而且为出口船舶项目贷款的风险很大,这影响了商业银行的信贷决策。在信息不完全的情况下,商业银行更倾向于向大型造船企业提供贷款,而忽略中小造船企业的融资需求。

The experience of countries with advanced shipbuilding industry shows that finance plays an important role in promoting the development of shipbuilding industry and increasing the export of ships. However,in the financing environment of China, commercial banks are the main body of the in- direct financing and the great risk of the loans for export ships affects the credit decisions of commercial banks. In the case of incomplete information, commercial banks prefer to lend to large-scale ship- building enterprises, and ignore the financing demand of small and medium sized shipbuilding enterprises.