The Analytical Framework of Small Micro-Enterprises’Differentiation loan
This article sets up the equilibrium model of differentiation loan for Chinese small microenterprises based on government goal and gets the analytical framework of small micro-enterprises’ loan rates adjustment through the discussion of employees, banks and governments’ goals. It shows that differentiation loan rate adjustment is the replacement of national preferences of welfare and employment in essence. There exists optimal differentiation loan rate of small micro-enterprise that can enable the government’ target to achieve the maximum. The current rate of China is higher than the optimal one, and belongs to the right-side loan rate. The evaluation criteria of loan rate depends on its deviation from the optimal loan rate. There is diminishing marginal effect on the differentiation loan rate reform.
differentiation loan rate reform small micro-enterprises equilibrium model
LONG Jian-cheng LI Feng JIN Xing
School of Humanity and Art，Xidian University，Xi’an，China，710071 School of Economics and Management，Xidian University，Xi’an，China，710071
国际会议
大连
英文
557-566
2012-07-07（万方平台首次上网日期，不代表论文的发表时间）