摘要
Abstract
Reducing the cognitive differences between banks and middle and small-sized enterprises in project risk and easing credit rationing,is an important way to solve the financing difficulties of small and medium-sized enterprises. From the perspective of credit rationing,the article finds out the impart factors of cognitive differences between the banks and middle and small-sized enterprises through literature research,and uses the DEMATEL model to analyze the relationship between these factors. Last,it puts forward the relevant suggestions on reducing cognitive differences between banks and enterprises. It is found that the four factors, the standard of credit collection and evaluation, enterprise credibility,effective communication between the banks and enterprises,and the social credit system construction,have the greatest centrality,which is 6. 729,6. 357,5. 889,and 5. 748. They are the key factors of influencing the cognitive difference between banks and enterprises. However,the reasons for the bank's information capacity and the credit collection and evaluation for enterprise is noteworthy,which are -1. 064 and -1. 027 respectively. The two factors are the most immediate influence factors of expanding on the cognitive differences between banks and enterprises.关键词
认知差异/信贷配给/DEMATEL模型/关键影响因素Key words
cognitive differences/credit rationing/DEMATEL model/key influencing factors分类
管理科学
