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中小企业信贷配给模型变量拓展分析 被引量:1

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摘要 本文将抵押品价值、企业资产规模、企业风险、银行利率、银行贷款审查成本等多个因素纳入分析框架,建立了竞争市场条件下中小企业信贷配给综合模型。研究结果表明,在中小企业受到规模配给中,抵押品可以替代投资风险和贷款利率,但投资成功率和贷款利率却很难替代抵押品来使中小企业获得银行贷款。
出处 《海南金融》 2016年第10期23-26,31,共5页 Hainan Finance
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