| 基于生命成长周期理论的银行信贷进入机制探讨 |
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| 引用本文： | 施鹏.基于生命成长周期理论的银行信贷进入机制探讨[J].科技情报开发与经济,2005,15(5):125-127. |
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| 作者姓名： | 施鹏 |
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| 作者单位： | 天津财经大学,天津,300222 |
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| 摘 要： | 银行信贷资金的稀缺性决定了在其在行业、产业及企业之间必须进行合理配置。企业生命周期理论对银行信贷资金的进入方向具有较强的指导意义，企业生命周期的分析与商业银行信贷市场定位有机结合，在具体的进入领域选择上，可掌握科学的判断标准，能够有效地降低信贷的风险，丰富信贷分析的内容，也使信贷决策更加全面。
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| 关 键 词： | 企业生命周期理论 银行信贷 市场定位 |
| 文章编号： | 1005-6033(2005)05-0125-03 |
| 修稿时间： | 2005年1月4日 |
A Study on the Mechanism of the Credit Entry for Commercial Banks Based on the Life- cycle Theory |
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| SHI Peng.A Study on the Mechanism of the Credit Entry for Commercial Banks Based on the Life- cycle Theory[J].Sci-Tech Information Development & Economy,2005,15(5):125-127. |
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| Authors: | SHI Peng |
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| Abstract: | The scarcity of the credit funds of the banks determines that the credit funds must be allocated rationally among the trades, industries and enterprises. Enterprise's life-cycle theory possesses stronger guiding function on the entry direction of bank's credit funds. Making organic combination of the analysis on enterprise's life-cycle and the localization of commercial bank's credit market, and mastering scientific deterministic standard in the concrete selection of the entry fields can effectively reduce the risk of the credit, enrich the contents of the credit analysis, and make the credit decision more complete. |
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| Keywords: | Theory of Corporate Life-cycle bank's credit market positioning |
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