期刊论文

中文

系统工程理论与实践

1000-6788

2015

35

9

2209-2220

71173241:国家自然科学基金 71473275:国家自然科学基金 CET-10-0830:新世纪优秀人才支持计划 71380100001:湖南省研究生科研创新项目

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银企信贷关系中的信任,可以有效减少代理成本和机会主义行为,对缓解小微企业信贷约束有重要启示.提出一个银企间信任的博弈分析框架,从自利、互利和利他三方面分析信任的动机,并通过问卷调查实证检验银行信任对小微企业贷款可获得性的影响.结果表明:1)信任对信贷博弈均衡结果产生关键影响,双方较高的互利倾向和正的利他倾向可促使帕累托最优均衡的实现,且随着关系距离的拉近和信任的加深,双方利他与互利倾向逐渐增强,信任与合作可能演化为长期稳定均衡;2)银行信任对小微企业信贷获取的影响显著,高程度的信任有助于提升小微企业的申贷成功率.为小微企业信贷中的信任研究提供了有力证据,也为解决小...

Trust within the lending relationship between bank and small and micro-enterprise (SME) contributes to reduce both agent cost and opportunistic behaviors, suggesting an alternative solution for easing credit constraints of SME. This study proposes a game theoretical framework for trust between bank and SME, which analyses from three perspectives including self-interest, reciprocity and altruism. It also provides empirical evidences on how trust influences on SME's loan availability. The findings have shown that: 1) trust plays a crucial role in explaining credit game. Higher initial reciprocit...