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我国行政事业单位及企业融资渠道狭窄,在债市未开,股市难上的情况下,绝大部分企业及行政事业单位融资只有选择银行贷款。那么,我们从媒体报道及一般直观感受而言,可以感觉到有政府背书的行政事业单位从银行贷款较容易,其次是大型企业,而小型企业贷款极难。本文试图从银行收益的角度出发,建立期望收益率比较模型,来对银行对贷款客户的选择这一行为进行探讨。
In our country, the financing channels of administrative institutions and enterprises are narrow. Under the circumstance that the bond market is not yet open and the stock market is difficult, most enterprises and administrative institutions only choose bank loans for their financing. Well, we can feel from media coverage and general intuition that government-backed administrative institutions can easily borrow from banks, followed by large-scale enterprises, and that small-scale enterprise loans are extremely difficult. This paper attempts to establish a model of the expected rate of return from the perspective of bank earnings to discuss the bank’s choice of loan customers.