CAJ | 학술논문

中小企业融资难是具有广泛认知的社会现实问题,一种普遍观点认为是银行信贷歧视所致。文章通过银行融资机会实际分配与企业获贷预期的比较研究发现,银行的信贷决策是基于风险控制的理性决策,而不存在对民营中小企业的歧视,歧视一说主要源于银企双方的认知差距与认知滞后,且与企业借贷经历有关,有借贷经历的企业认知差距较小。文章结合社会关系、现实背景和认知规律对信贷歧视一说做出了全面解读。
중소기업융자난시구유엄범인지적사회현실문제,일충보편관점인위시은행신대기시소치。문장통과은행융자궤회실제분배여기업획대예기적비교연구발현,은행적신대결책시기우풍험공제적이성결책,이불존재대민영중소기업적기시,기시일설주요원우은기쌍방적인지차거여인지체후,차여기업차대경력유관,유차대경력적기업인지차거교소。문장결합사회관계、현실배경화인지규률대신대기시일설주출료전면해독。
The difficulty in credit of caused by the discrimination from banks comparison analysis of the distribution of SMEs is a popular view, which is according to a common view. The credit opportunities and the expec- tation of the loans, this paper draws the conclusions as follows, firstly, the credit decision-making of banks is rational decision-making based on the con- trol of risks, instead of discriminations on private SMEs secondly, the no- tion of discrimination results from the cognitive gap between banks and firms and its lag cognition, and matters with credit experiences of enterprises the cognitive gap is smaller as for firms with credit experiences. This paper com- bines social relations, historical background and cognitive law and provides a comprehensive analysis of the notion of credit discrimination.