摘要
贷款作为一种特殊的合约类型,有其内在的形成机理。"关系型信贷"作为一种新的贷款技术,可以由银行或者企业任何一方发生要约,但企业作为被要约方的选择动机尚存在异议。将企业贷款选择行为的影响因素区分为"成本"和"收益",通过成本-收益分析,结果显示关系型贷款对企业的融资和成长产生积极作用。
As a special type of contract, loan has its internal formation mechanism. As a new loan technology, ＂relationship lending＂ can be offered by either bank or enterprise, but there is some resistance to the choice of the enterprises as an offeror. By comparing the final profit and cost of the two projects through the model, we can get that ＂relationship lending＂ has an active effect on the availability of the loan of small and middle -sized enterpri- ses, the financing cost and profit, the growth of enterprises.
出处
《经济问题》
CSSCI
北大核心
2011年第10期99-103,共5页
On Economic Problems
基金
教育部人文社会科学研究规划基金项目阶段性成果(10YJAZH088)
关键词
关系型信贷
中小企业
成本-收益
融资
relationship lending
small and middle - sized enterprises
cost - profit
financing
