商业银行信贷工厂模式全面推广的可行性研究
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
目 次
1 绪论 1
1.1 研究背景与问题提出 1
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