【作者】 王静； 周宗放； 霍学喜；

【Author】 Jing WANG~(1,2) Zongfang Zhou~1 Xuexi Huo~2 1.Institute of economic and management,University of Electronic Science and Technology,Chengdu,Sichuan Province,610054,P.R.C 2.Institute of economic and management,Northwest A&F University,Yangling,Shanxi Province,712100.P.R.C

【机构】 电子科技大学经济与管理学院； 西北农林科技大学经济管理学院；

【摘要】 由于中小企业信息不透明,且常常不能提供充分的担保或抵押,正规金融部门为了降低贷款风险,往往实施信贷配给。非正规金融在发展中国家和地区广泛存在,在非正式金融的作用下,可缓解信贷配给。同时,在多重市场条件下,也会导致信贷市场产品供需出现明显的非线性关系。本文应用非线性突变理论,建立信贷市场动态突变模型,试图揭示了信贷配给变动规律,指出非正规金融缓解信贷配给的可能性和具体化条件。更多还原

【Abstract】 Due to the opaqueness of information in the small and medium-sized enterprises,such enterprises often cannot provide sufficient guarantee or mortgage.In order to reduce the risk of loans,the formal financial departments usually implement credit rationing.Informal finance exists widely in developing countries and regions.It can alleviate the credit rationing with its effect.At the same time,in the multiple market conditions,it can also lead to the nonlinear relationship of supply and demand of the products in credit market.Based on the nonlinear catastrophe theory,this essay establishes the dynamic Catastrophe model of credit market with the attempt to reveal the credit rationing,and then point out the possibility and specific conditions of the informal finance which can alleviate the credit rationing.更多还原