Journal of Risk Analysis and Crisis Response

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/).

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Journal
Journal of Risk Analysis and Crisis Response
Volume-Issue
8 - 3
Pages
142 - 150
Publication Date
2018/10/01
ISSN (Online)
2210-8505
ISSN (Print)
2210-8491
DOI
10.2991/jrarc.2018.8.3.3How to use a DOI?
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  -