| （摘要内容经过系统自动伪原创处理以避免复制，下载原文正常，内容请直接查看目录。） 中小企业因为后天缺乏，在信贷市场常常处于被配给的位置。因为信贷市场信息纰谬称带来的逆向选择和品德风险等成绩，银行在制订信贷政策时，出于利润最年夜化目的而对中小企业实施信贷配给。本文提出，德语论文题目，关系型假贷是减缓中小企业面对的信贷配给状态的一种有用技巧。该技巧有其特别的信息发生和传递措施，在该措施下发生的“领悟信息”可以有用进步中小企业存款可得性，下降公司存款本钱。根据以上道理，笔者剖析了德国的中小企业信贷融资状态，发明该国中小企业信贷市场上其实不存在明显的信贷配给，而关系型假贷在个中功弗成没。我国处于经济转轨时代，中小企业因为面对两重信贷配给，信贷融资状态不容悲观，德语毕业论文，而关系型假贷却方才起步且感化不显著。据此，笔者以为德国的经历会对我国具有非常主要的自创意义，经由过程比拟笔者终究得出一些对改良我国现状的无益启发。 Abstract: Because of the lack of the day after tomorrow, the small and medium-sized enterprises in the credit market is often in the position of rationing. Because the information in the credit markets PI paradox says the adverse selection and moral hazard problems, banks in the formulation of credit policy, for the purpose of profit maximization and to the small and medium-sized enterprise implementation of credit rationing. In this paper, the relationship between the type of false credit is to slow the small and medium enterprises in the face of the credit rationing of the state of a useful skill. This technique has its special information occurrence and transmission method, in which the method of "understanding information" can be useful to improve the availability of small and medium enterprises, and reduce the cost of enterprise deposit. According to the above reasons, the author analyzes the status of the SME credit financing in Germany, the invention of the small and medium enterprises in the credit market, there is no obvious credit rationing, and the relationship between the false loan in the middle. Our country is in the economic transition period, the small and medium-sized enterprise faces the double credit rationing, the credit financing condition should not be pessimistic, but the relational false loan has just started and the influence is not remarkable. According to this, the author thinks that the experience of Germany will have a very important meaning to our country, through the comparison of the author finally come to some of the improvement of China's current situation of useless inspiration. 目录: 内容提要 4-6 引言 6-7 第一章 信贷配给与关系型借贷：基于中小企业融资的探讨 7-16 第一节 信贷配给与中小企业信贷融资困境 7-11 第二节 关系型借贷:缓解中小企业融资困境的有效技术 11-16 第二章 德国中小企业信贷配给与关系型借贷探讨 16-28 第一节 德国的银行体系与中小企业融资 16-22 第二节 信贷配给与关系型借贷：德国中小企业的情况 22-28 第三章 双重信贷配给下的中国中小企业融资探讨 28-38 第一节 非均衡信贷配给与中国中小企业融资 28-32 第二节 双重信贷配给下的中国中小企业融资 32-38 第四章 与德国的比较及借鉴 38-41 第一节 中国与德国的比较 38-39 第二节 德国中小企业融资格局的借鉴 39-41 注释 41-47 参考文献 47-51 中文摘要 51-53 ABSTRACT 53-54 |
