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本文根据转型时期我国银行和企业的基本特征,从我国银行体制结构特点这一独特视角出发,通过对不同银行体制结构下银行信贷行为的比较分析,拓展了Stiglitz 和 Weiss(1981)的信贷配给理论,发现我国独特的银行体制结构通过影响银行信贷的选择行为,一方面造成了资金在银行系统中的大量闲置,另一方面造成了比完全市场经济条件下更为严重的信贷配给并对我国中小企业的信贷可得性产生了重要影响。在此基础上,提出迅速改革现行的银行体制以及在现阶段通过大力发展非正规金融来缓解中小企业融资困境的策略建议。
Based on the basic characteristics of China’s banks and enterprises during the transitional period and from the unique perspective of the structural characteristics of China’s banking system, this paper expands the credit rationing theory of Stiglitz and Weiss (1981) through the comparative analysis of the bank’s credit behavior under different banking system structures And found that the unique banking system structure of our country, through influencing the choice behavior of bank credit, has caused a large amount of idle funds in the banking system on the one hand and more serious credit rationing than the complete market economy on the other, Corporate credit availability has had a significant impact. On this basis, it puts forward the tactics suggestion of swiftly reforming the current banking system and alleviating the financing difficulties of SMEs through vigorous development of informal finance at this stage.