工商管理外文翻譯---貸款擔保的違約成本和對小企業(yè)的利處-工商管理-wenkub.com
2025-05-07 03:29 本頁面
【正文】 盡管有發(fā)現說明擔保貸款似乎做出了積極的貢獻，但關于政府干預信貸市場是否是必須的 經濟理論一直被爭論著。）；（ 3） 擴大交大的企業(yè)和交大貸款資格可能并不是合適的建議，并且這也與貸款擔保計劃的目標不想符合。這篇論文回顧了以前試圖進行的貸款擔保計劃的陳本收益分析。這篇論文是基于實證研究以對比貸款擔保的成本和收益。 支持擴大小企業(yè)的貸款，可能會給借款單位帶來顯著效益；并且能夠通過創(chuàng)造新的就業(yè)崗位和保留原來的崗位，也會給整個社會帶來顯著效益。政府和行業(yè)協會常常扮演者信貸擔保人的角色以使貸款機構向中小企業(yè)發(fā)放貸款。 and (3) the widening eligibility to larger firms and to larger loans may not be well advised and is inconsistent with the goals of the program. Moreover, reducing the loan ceiling would arguably discourage fraudulent applications while servicing those SMEs most in need of earlystage capital. In addition, analysis of the lenders’ motives suggests that default rates on the portfolio of guaranteed loans and, therefore, the costs of honoring guarantees, are particularly sensitive to the level of the guarantee. Small reductions in the level of the guarantee (for example, guaranteeing80%of principal and accrued interest instead of 85%) could lead to substantial reductions in default rates. Debate persists in economic theory about wheth
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