The Research on the SME's Collateral Credit Rationing under Loan Risk Compensation Mechanism
Authors
Changbing Yang, Mu Zhang
Corresponding Author
Changbing Yang
Available Online November 2017.
- DOI
- 10.2991/wrarm-17.2017.24How to use a DOI?
- Keywords
- Loan Risk Compensation; The 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
- © 2017, 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 - CONF AU - Changbing Yang AU - Mu Zhang PY - 2017/11 DA - 2017/11 TI - The Research on the SME's Collateral Credit Rationing under Loan Risk Compensation Mechanism BT - Proceedings of the Fifth Symposium of Risk Analysis and Risk Management in Western China (WRARM 2017) PB - Atlantis Press SP - 134 EP - 139 SN - 1951-6851 UR - https://doi.org/10.2991/wrarm-17.2017.24 DO - 10.2991/wrarm-17.2017.24 ID - Yang2017/11 ER -