摘要
在分析影响我国信用担保市场容量主要因素的基础上,通过构建非线性数理模型,测算出我国中小企业信用担保市场的客观总容量;提出从优化配置信贷资源、信用担保放大倍数和反担保品充足率路径来扩展我国中小企业信用担保市场容量。通过模型证明:在银行、担保机构以及企业的信贷担保收益最大化条件下,确定最优的信用担保放大倍数和反担保充足率,可以使中小企业信用担保市场容量实现有效扩展。
Based on analyzing the main factors of affecting the guarantee market capacity,we set up a non-lined mathematical model to forecast the objective total market capacity of China lcredere market for SMEs.The model can improve the effectiveness of the market capacity of SMEs credit guarantee through optimizing the credit rationing,the rate of credit guarantee magnification and the anti-guarantee sufficient rate.The results prove that under the income maximization among banks,credit guarantee institutions and enterprises,ascertaining the best credit guarantee magnification rate and the anti-guarantee sufficient rate can contribute to the effective expansive of the market capacity of SMEs credit guarantee.
出处
《系统工程》
CSSCI
CSCD
北大核心
2011年第2期39-43,共5页
Systems Engineering
关键词
中小企业
信用担保
市场容量
信贷配给
Small and Medium-sized Enterprises（SMEs）
Lcredere
Market-capacity
Credit Rationing
