Credit Ration by Control of Cognition Difference

摘要：

This paper introduces the cognition difference in the risk of investment projects between banks and enterprises into the model to analyze the relationship between risk cognition difference and the degree of credit rationing. Besides, it simulates the model and the result suggests these two are positively correlated. It is concluded that credit rationing will worsen as risk cognition difference coefficient increases. Thus, an effective way to relieve the credit rationing is to mitigate the different cognitions of risk on projects between banks and enterprises.

关键词： Risk cognition credit ration control bank

作者: Ma Li Liu Yang Niu Yong

作者单位: Economic and Management School, Wuhan University, China

会议类型: 国际会议

会议名称: The 31st Chinese Control Conference(第三十一届中国控制会议)

会议地点: 合肥

会议语种:英文

页码: 7497-7501

在线出版日期: 2012-07-01（万方平台首次上网日期，不代表论文的发表时间）