中国信贷 meaning in Chinese
china credit
Examples
- Since the end of 1970 ' s , the extent to which the credit market runs according to market rules has been improving , but the special characters of china ' s credit market in the transformation process of economic regime also exist
改革开放以来，中国信贷交易的市场化程度已经大大提高，但信贷市场在经济转型时期的一些特征仍然存在。 - Starting with the two lending techniques of transactional lending and relationship lending , the paper analyzes the rationing effect of the spiral of silence theory in chinese credit market based on the structure of oligarchic banks and explains how it happens
摘要从市场交易型贷款和关系型贷款两种贷款技术出发，结合中国寡头银行结构，分析了中国信贷市场的“沉默螺旋”配置效应，并阐明了其动力机制。 - The model of this paper explores the links between the following factors and the credit rationing in china . the change of banks " attitude to credit risk may lead to credit rationing ; banks give much more emphasis on the trade cost and the payable value of collateral , which may give rise to credit rationing ; the decreasing of asset price during economic stagnation produces credit rationing ; the bias of banks " objective function from the maximization of profit and the transformation of the function relating to the reform of the financial system cause credit rationing ; if different parts of the whole markets are not integrated , the credit in the part with low capital return ratio will be rationed . during economic recession , banks tend to ration the credit in the high - risk market ; the removing of interest ceiling will narrow down the interest spread of deposit and credit at least during a period , which may strengthen credit rationing ; meanwhile , the vulnerable borrowers , including small and middle - sized enterprises , will get more credit from banks even though they have to pay a higher interest rate
论文的模型探讨了下列因素和中国信贷配给现象之间的联系：商业银行对信贷风险的态度变化，在辨别和控制信贷风险上开始投入大量的成本，这一过程会导致信贷配给；商业银行对与法治环境相关的交易成本和抵押品清偿价值的日渐关注会导致信贷配给；宏观经济紧缩时期资产价格下降会导致信贷配给；商业银行经营目标函数偏离利润最大化，近几年金融业改革过程使商业银行目标函数发生变化，这一变化过程可能导致信贷配给；在市场分化的条件下，收益水平低的市场会遭受信贷配给；在经济下滑时期，商业银行尤其会对高风险市场配给信贷；利率市场化使商业银行的存贷利差至少在一段时间内缩窄，利差缩窄可能加重信贷配给的程度：在利率市场化条件下，弱势借款者，包括中小企业，遭受信贷配给的程度可能得到缓解，但支付的贷款利率水平将会升高。