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中小企业联合担保贷款中数量规模的计算实验金融分析
Analysis of Scale in SME joint Guarantee Loan based on Agent- Based Computational Experiment Finance
摘要点击 3104  全文点击 78  投稿时间:2012-03-17  修订日期:2012-03-17
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中文关键词  中小企业贷款;联合担保;计算实验金融;信用环境
英文关键词  SMEs loan; joint Guarantee; agent-based computational experiment finance; credit condition
基金项目  国家自然科学基金项目(面上项目,重点项目,重大项目)
学科分类代码  
作者单位E-mail
熊熊 天津大学 372893001@qq.com 
中文摘要
      摘要:中小企业在为国民经济做出越来越大的贡献的过程中,却一直面临着信贷难的问题。从政府的角度出发,采用基于计算实验金融的多Agent仿真技术构建了违约成本—社会信用环境模型和选择策略概率模型,分析了联合担保中的企业数量规模以及信用环境对银行-中小企业信贷行为的影响。发现数量规模和信用环境对于信贷行为的影响机制,进而提出了相应的政策建议,以期能为政府解决中小企业融资难问题提供决策参考。
英文摘要
      Abstract: With more and more contributions the SMEs have been made for our national economy, they are always confronting the difficulties of credit problems. From the perspective of the government,using the multiple-agents simulation technology based on computational experimental finance to build default cost-social credit environment model and the probability of the selection strategy, and analyze the scale in SME joint guarantee loan and the influence of the credit condition for the credit conduct of the bank-SMEs. We found that the mechanism for effects of the scale and the credit condition on credit conduct, and have correspondingly made the further policy advisement, hoping that it will provide some decision references for the government to solve the difficulties of the SMEs credit problems.
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