论中国信贷均衡模型

On Chian's Credit Equilibrium Models

揭示并建立中国国有银行信贷的均衡模型，对于提高金融资源的利用效率具有特别重要的意义。用目前国内外经济学文献中的信贷均衡模型来分析中国信贷市场都有局限性。中国信贷市场的复杂性源于经济体制转轨这一宏观经济背景，应在市场细分的基础上将中国信贷市场分为四类，并对每一类市场提出一个对应的信贷均衡模型。

Revealing and establishing credit equilibrium models of China’s state－owned banks possesses very important significance for enhancing the use efficiency of financial resources． There exist limits in using current credit models of domestic and foreign economics literature to analyze china’s credit markets． The complexity of China’s credit markets originates in the macroeconomic background of transition of economic institutions． We should divide China’s credit markets into four types on the basis of market segmentation and offer a credit equilibrium model corresponding to each type．