信贷配给模型

第二章将建立一个基础模型&信贷配给模型，该模型是本文理论开展的工具。

In the second section we build the basic model on credit rationing and introduce its applicative thoery financial restraint .

然后，构建了利率管制下的信贷配给模型，并在此基础上分析了信贷配给对企业债务期限结构选择的影响。

Thirdly , credit ration model has been constructed under interest rate repression , and the credit ration effect on debt maturity has been analyzed too .

通过构建银行、企业与政府三者之间的双重信贷配给模型，指出在银行无法甄别企业申贷项目质量时，银行会采重庆大学博士学位论文用信贷配给方式来降低风险。

It is suggest that bank would decrease risk by credit ration because they can 't realize the quality of firm 's project , after analysis of game model among government , bank and firm .

本文通过建立一个含有规模、质量、效益效用因子的信贷配给模型，分析认为理性的银行对规模和质量的变动而带来的效用变化的比率等于存贷利差与贷款吸存率的比；

The paper believes that the ratio of utility changes that brought forward by the scale and quality 's alterations under a rational bank equals to the ratio of the margin between deposit and loan rate over loan - induced deposit rate .

信贷配给：从理论模型到中国实际

Credit rationing : from model in theory to Chinese practice

首先阐释了什么是小额信贷，包括其概念特征，产生与发展，及一般原理，并介绍了信贷配给模型理论，为后续的研究奠定了理论基础。

The first step is to explain what microfinance is , including the definition and characteristic , development and reality , general principle .

文章首先通过部分相关数据和信贷调查分析了我国信贷市场的区域分化，然后建立了信贷配给的区域分化模型，分析不同区域间信贷差异以及信贷集中。

The paper firstly analyzes the credit market segmentation through the data and some credit investigations , then establishes the credit rationing segmentation model to analyze the credit difference , and credit centralization .

本文比较了关于竞争性信贷市场的两个主要流派及其经典模型，即由McKinnon及Shaw开创的金融深化理论和Stiglitz及Weiss开创的信贷配给模型。

This paper compares the two main strands of literature on the competitive credit market , the financial deepening theory that began with McKinnon ( 1973 ) and Shaw ( 1973 ), and the credit rationing models that started with Stiglitz and Weiss ( 1981 ) .