【摘要】 信贷市场非均衡将改变企业与金融机构的行为 ,降低资源配置效率 ,增加企业与银行的经营成本。“超贷”与“惜贷”都是信贷市场非均衡现象 ,不以利润最大化为目标是导致“超贷”、“惜贷”现象的根本原因。更多还原

【Abstract】 Disequilibrium in credit market distorts the behavior of businesses and financial institutions and increases operation their costs. "Excessive credit" and "credit reluctance" are examples of disequilibrium and are caused essentially by departures from profit maximization principle.更多还原