标准信贷合约的激励机制在中小企业信贷中的失效原因分析

Analysis on Failing Cause of Promoting Mechanism of Standard Credit Agreement in Medium Small Enterprises

本文按生产能力对企业进行划分,分析了标准信贷合约在银行对中小企业信贷中的失效原因,指出对信贷资金流向的控制及有效金融市场的建立,能有效解决银行与中小企业信贷中的两难问题。

By dividing enterprises into different types according to their productive capacity,this paper analyses why the standard credit agreement is invalid in the bank credit to middle or small enterprises.Due to the inadequacy of market information,the invalidation of credit agreement has turned out to be a restrictive factor in the economic developmenlt of China.By establishing both the control mechanism for the flowing direction of loan capital and the effective money market,this dilemma for banks and enterprises can be settled effectually.