认知差异对商业银行信贷配给的影响效应分析

Abstract

Abstract: Discussion about how to alleviate commercial banks' credit rationing and to meet the enterprises' demand for loans at the maximum extent is a topic with great realistic significance. In this paper, the cognition difference is introduced in investment project's risk between banks and enterprises into the model to analyze the relationship between cognition difference in risk and the degree of credit rationing. Then the model is simulated and the result shows these two are positively correlated. Thus, an effective way to relieve the credit rationing is to avoid the cognitive differences in the project's risk between banks and enterprises.

Key words: risk cognition difference, credit rationing, simulation

CLC Number:

MA Li, LIU Yang, NIU Yong. Impact of Risk Cognition Difference on Credit Rationing of Commercial Banks[J]. Chinese Journal of Management Science, 2013, 21(5): 23-28.

References

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Impact of Risk Cognition Difference on Credit Rationing of Commercial Banks

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