【摘要】 对于信贷配给现象的解释,新凯恩斯主义者在逆向选择和道德风险的基础上,从借贷人未来的还贷能力这一角度进行了分析,但忽略了在信贷市场中还存在有还贷能力却故意不还的赖帐行为。引入策略性赖帐行为,通过建立简单的数学模型,分析信贷配给的另一种原因,并得出信贷配给额的大小与借贷人后续投资期限数大小有关的结论,同时提出信贷配给理论在实际应用中的策略。更多还原

【Abstract】 Based on the theory of adverse selection and moral hazard,Neo_Keynesianism has given some interpretations to the phenomena about credit rationing from the view of borrower’s repayment ability,but they have overlooked a behavior that some borrowers are able to repay the loans but bilk.This paper analyzes another reason for credit rationing by introducing bilking behavior and setting up a simple model,a conclution is reached that the amount of credit rationing is related to the borrower’s follow_up inuestment terms,and some tactics to apply credit rationing theory to practice is put forward.更多还原