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信贷配给,指的就是由于报出贷款利率低于市场出清利率,存在对贷款的超额需求。西方学者对信贷配给的研究已经有了很长的历史,而信贷市场的不完全信息的运用,把研究推入了一个更深的层次,也为现代信贷配给理论奠定了基础。
Credit rationing refers to the excess demand for loans due to the reported loan interest rate being lower than the market clearing interest rate. Western scholars have a long history of credit rationing. The use of incomplete information in the credit market has pushed the research to a deeper level and laid the foundation for modern credit rationing.