商业银行信贷工厂模式全面推广的可行性研究

摘要本文从商业银行与中小企业微观博弈的角度出发，构建在完全信息静态条件下商业银行引入“信贷工厂”模式前后与中小企业间的矩阵博弈模型，确定“信贷工厂”模式适用的标准化放贷条件，以及相关信贷指标发生的变化，并检验该模式在试用银行的实施过程中的可行性和有效性。研究结果表示，在商业银行引入“信贷工厂”模式后，商业银行对中小企业的风险容忍度上升，同时信贷量明显增加，通过对建设银行湖南省分行和民生银行进行经验分析，进一步表明该模式能够为商业银行带来有效的经济效益，并且可以经过调整性的改良后在全国进行全面推广。 60363
毕业论文关键词信贷工厂信贷博弈商业银行中小企业
Title The Study of the Feasibility of the Comprehensive Popularization of the Credit Factory Model for Commercial Banks
Abstract This paper is based on the perspective of the micro game between commercial banks and small & medium-sized enterprises. By building the matrix game model between commercial banks and small & medium-sized enterprises before and after the “credit factory” is introduced under the condition of complete information static game, find the standardization criteria of lending under the model of “credit factory” and the changes in related credit indexes. And verify the feasibility and effectiveness in those banks that implemented the “credit factory” model. The results reveal that after introducing the “credit factory” model in commercial banks, the risk tolerance to small & medium-sized enterprises of commercial banks has risen, and the credit amount has increased significantly at the same time. According to the empirical analyses of the Hunan branch of China Construction Bank and Minsheng Bank, these cases show that the “credit factory” model can bring economic benefits for commercial banks effectively and it can be popularized in the country after adjustment and improvement.
Keywords Credit Factory; Credit Game; Commercial Banks; Small & Medium-sized enterprises

1 绪论 1

1.1 研究背景与问题提出 1

1.2 国内外研究现状 2

1.3 研究定位与主要内容 5

2 基本概念及相关理论基础 8

2.1 基本概念的界定 8

2.2 博弈论的理论基础 9

3 信贷工厂的博弈模型 10

3.1 博弈的基本假设 10

3.2 博弈问题的基本要素 11

3.3 银行与企业间的博弈均衡分析 13

3.4 对均衡结构的进一步讨论 19

4 基于个案的经验检验 21

4.1 全国性商业银行建设银行湖南省分行经验检验 21

4.2 股份制商业银行民生银行的经验检验 25

5 主要结论 28

5.1 主要结论 28

5.2 主要创新点 29

5.3 值得进一步讨论的问题 30

致谢 32

参考文献 33

图1.1 研究的技术路线 5

图3.1 “信贷工厂”引入之前的银企博弈模型 14

图3.2 “信贷工厂”引入之前商业银行与中小型企业的反应曲线 16

图3.3 “信贷工厂”引入后的银企博弈模型 16 商业银行信贷工厂模式全面推广的可行性研究 :http://www.youerw.com/jingji/lunwen_65830.html