对商业银行中小企业贷款审批权及激励机制的研究

A Study on the Examination and Approval Authority and Incentive Mechanism of Loan of Medium and Small Businesses for Commercial Bank

本文对国内外贷款审批制度的文献综述研究,了解当前信贷审批制度研究成果。通过建立理论模型,将银行抽象成分行与支行两级并纳人委托代理框架,研究中小企业贷款审批制度,得出解决中小企业信贷信息不对称的问题,关键在于设计有效的激励机制。分析当前制约银行分支机构对中小企业贷款审批的主要因素,最后提出相关政策建议。

In this paper,the literature review of domestic and foreign loan approval system is made,helping to understand the research results of the current credit approval system. Through the establishment of the theoretical model,the abstract composition line of banks and sub-branches two and satisfied principalagent framework to study the SME loan approval system, the obtained solutions to SME credit information asymmetry problem,the key is to design an effective incentive mechanism.The writer analyzes the main factors of the current constraints of bank branches on the approval of loans to SMEs, and concludes with policy recommendations.