中小企业信贷决策:歧视、理性还是认知差距?
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财经研究 2013 年 第 39 卷第 08 期, 页码：100 - 110
摘要
参考文献
摘要
中小企业融资难是具有广泛认知的社会现实问题,一种普遍观点认为是银行信贷歧视所致。文章通过银行融资机会实际分配与企业获贷预期的比较研究发现,银行的信贷决策是基于风险控制的理性决策,而不存在对民营中小企业的歧视,歧视一说主要源于银企双方的认知差距与认知滞后,且与企业借贷经历有关,有借贷经历的企业认知差距较小。文章结合社会关系、现实背景和认知规律对信贷歧视一说做出了全面解读。
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[3]江春,许立成.制度安排、金融发展与社会公平[J].金融研究,2007,(6):44-52.
[4]江伟,李斌.制度环境、国有产权与银行差别贷款[J].金融研究,2006,(11):116-126.
[5]卢峰,姚洋.金融压抑下的法治、金融发展和经济增长[J].中国社会科学,2004,(1):42-55.
[6]孙铮,刘凤委,李增泉.市场化程度、政府干预与企业债务期限结构——来自我国上市公司的经验证据[J].经济研究,2005,(5):52-63.
[7]周好文,李辉.中小企业的关系型融资:实证研究及理论释义[J].南开管理评论,2005,(1):69-74.
[8]周业安.金融市场的制度与结构[M].北京:中国人民大学出版社,2005.
[9]Beck T,De La Torre A.The basic analytics of access to finanicial services[M].World Bank Publications,2006.
[10]Berger A N,Udell G F.Small business credit availability and relationship lending:The importance of bank organizational structure[J].Economic Journal,2002,112:32-53.
[11]Loren Brandt,Hongbin Li.Bank discrimination in transition economies:Ideology,in-formation or incentives?[R].William Davidson Working Paper,2002.
[12]Claessens S.Access to financial services:A review of the issues and public policy ob-jectives[J].The World Bank Research Observer,2006,21(2):207-240.
[13]King R G,Levine R.Finance and growth:Schumpeter might be right[J].Quarterly Journal of Economics,1993,108(3):717-737.
[14]La Porta R,Lopez F,Shleifer A.Government ownership of banks[J].Journal of Finance,2002,57(1):265-301.
[15]Levine R.Financial development and economic growth:Views and agenda[J].Journal of Economic Literature,1997,35(2):688-726.
[16]Loren Brandt,Hongbin Li.Discrimination in transition economics:Ideology,infor-mation or incentives?[R].William Davidson Working Paper,2002.
[17]Ruth-Helen Samujh,Linda Twiname,Jody Reutemann.Credit guarantee schemes supporting small enterprise development:A review[J].Asian Journal of Business and Accounting,2012,5(2):21-40.
引用本文
王淅勤, 唐子斌. 中小企业信贷决策:歧视、理性还是认知差距?[J]. 财经研究, 2013, 39(8): 100–110.
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