Volume 8, Issue 3, October 2018, Pages 142 - 150
Research on the SME’s Collateral Credit Rationing under Loan Risk Compensation Mechanism
Authors
Changbing Yang, Mu Zhang, Junmeng Lu
Corresponding Author
Changbing Yang
Received 25 December 2017, Accepted 15 July 2018, Available Online 1 October 2018.
- DOI
- 10.2991/jrarc.2018.8.3.3How to use a DOI?
- Keywords
- loan risk compensation, collateral credit rationing model, SME, government
- Abstract
This paper discusses the function of loan risk compensation in the collateral credit rationing model. According to the derivation of my model, we find when the bank have some requirements on interest and collateral, at the same time, we add the loan risk subsidy variable into the above model, loan risk subsidy can lower the bank's collateral requirements for the enterprise, therefore, we can conclude that loan risk compensation can effectively alleviate the credit rationing faced by enterprises.
- Copyright
- © 2018, the Authors. Published by Atlantis Press.
- Open Access
- This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).
Cite this article
TY - JOUR AU - Changbing Yang AU - Mu Zhang AU - Junmeng Lu PY - 2018 DA - 2018/10/01 TI - Research on the SME’s Collateral Credit Rationing under Loan Risk Compensation Mechanism JO - Journal of Risk Analysis and Crisis Response SP - 142 EP - 150 VL - 8 IS - 3 SN - 2210-8505 UR - https://doi.org/10.2991/jrarc.2018.8.3.3 DO - 10.2991/jrarc.2018.8.3.3 ID - Yang2018 ER -