惜贷

惜贷正是在2001至2006年间，日本央行（boj）实施定量宽松政策时，日本所发生的情形。

Hoarding is exactly what happened in Japan earlier this decade when the Bank of Japan implemented quantitative easing between 2001 and 2006 .

金融服务有效供给不足，存在明显的惜贷现象；

Deficiency of effective supply of financial services and obviously reluctance to lend ;

对国有商业银行“惜贷”问题的理性思考

Rational Consideration on the issue of state-owned commercial bank " sparing loan "

不对称信息下商业银行惜贷行为的博弈分析

Game Theory Analysis of " Credit Grudging " Behavior of Commercial Banks Under Asymmetric Information

银行惜贷的信息经济学解释及其对策

The information economics explanation and countermeasure of " the credit grudging " of commercial bank

银行惜贷现象的博弈论解释

Games Analysis On Credit Squeeze of Bank

近几周来，各银行惜贷及慎贷压力正逐步升级。

Pressure on banks to exercise more parsimony and caution has escalated in recent weeks .

惜贷：软风险

Prudent Loans : Soft Risk

商业银行惜贷、慎贷的背后潜藏着我国经济运行过程中深层次的矛盾。

Commercial bank 's caution in loan reflects the deep contradiction in the country 's economic development .

我国中小企业信贷困境与银行惜贷原因分析

Analysis on the SMES ' Dilemma of Obtaining Loans and the Real Reasons Given by Commercial Banks

由于银行惜贷，美元在金融危机后走强。

The dollar strengthened in the wake of the financial crisis as banks were reluctant to lend .

中国的商业银行但商业银行对中小企业存在惜贷现象。

China 's Commercial bank but Commercial bank pities the loan phenomenon to the small and medium-sized enterprise existence .

正是银行的惜贷使得这个英国最大的典当公司的利润增长了47%。

That reluctance by banks to lend has helped earn the UK 's biggest pawnbroker a47 per centrise in profits .

而引起银行惜贷的原因主要有以下几条：①非国有中小企业由于信息不对称、诚信意识不够等原因，商业银行对其实行信贷配给；

Firstly , owing to information asymmetry and lack of honor , banks implement credit rationing to medium and small enterprises ;

随周期变动的资本率将削弱银行在繁荣时放贷过多、在衰退时又过分惜贷的倾向。

Cycle-dependent capital ratios would reduce the tendency of banks to lend too generously in booms and too timidly in recessions .

失业不断增对、贷款机构惜贷以及大批外国投资者（和大批外籍银行家）的离去，意味着香港房价还会进一步下跌。

Rising unemployment , reluctant lenders and an exodus of foreign investors ( plus shoals of expat bankers ) imply further declines .

它们彼此之间更加惜贷，把市场对少数机构的担忧转变成整个银行体系的信用紧缩。

They have lent less and less to each other , turning worries about a few institutions into a system-wide credit crunch .

但是，惜贷始终都是一种行为，产生这种行为的原因不能用一种经济现象去解释。

However , the Credit-Crunch may not to explain in economic phenomenon , since of that is a behaviour and not a theory .

而且，只有从这两个方面出发，才能从根本上解决银行惜贷与信贷紧缩问题，并最终促进商业银行的融资效率的提高。

Moreover , the mitigation of credit contraction and the improvement of financing efficiency depend on the resolution of these two problems mentioned above .

在这个世界上，企业破产，银行惜贷被证明为正确之举，因为它们的潜在借款者已破产。

In this world , companies fail and banks are vindicated in their cautious attitude to lending because their potential borrowers have gone bust .

“超贷”与“惜贷”都是信贷市场非均衡现象，不以利润最大化为目标是导致“超贷”、“惜贷”现象的根本原因。

" Excessive credit " and " credit reluctance " are examples of disequilibrium and are caused essentially by departures from profit maximization principle .

会计信息失真严重影响商业银行信贷决策质量，并在商业银行中产生严重的惜贷现象。

A distortion of accounting information seriously influences the credit policy quality of commercial bank and exerts a serious phenomenon called " value credit " .

为控制不良贷款的增加，控制风险隐患，大多数商业银行出现惜贷现象。

For the control of the increase on non-performing loans , most commercial banks are in a " credit crunch " phenomenon to control potential risks .

各商业银行银行追捧大型企业，对大企业争贷，却漠视对中小企业的资金需求，对其惜贷。

Every commercial bank pursues large-scale enterprises , fighting for the loan for the big enterprise , but ignoring the fund demand of small and medium-sized enterprises .

在中小企业面临融资难的发展瓶颈的同时，惜贷现象也严重制约商业银行的发展。

Small - and Medium-sized firms face a development bottleneck of financing difficulties , meanwhile , " loan deflation " severely constrains the development of commercial Banks .

银行在向国有企业发放贷款时非常慷慨，认为政府会为这些企业提供背书，但对活跃的民营企业则格外惜贷。

Bankers have lavished loans on state-owned enterprises , believing the government will back them up , and shied away from the hurly-burly of the private sector .

更重要的是：未来亏损程度如何，以及弥补亏损所需资本，围绕二者挥之不去的不确定性，可能导致欧洲银行惜贷。

More important : lingering uncertainty about the extent of future losses and the capital required to absorb them could prompt European banks to rein in lending .

银行可能面临无法收回贷款的风险，所以银行不愿发放贷款，出现了惜贷现象。

The banks will face the risk of losing loan , so the banks are unwilling to grant the loan , and reflecting the phenomenon of sparing loan .

原因在于：利率将远远高于预期，而银行因为担心资本充裕度问题，将会越发惜贷。

The reason : Interest rates will be far higher than predicted , and banks , worried over their capital levels , will be increasingly reluctant to lend .

首先指出了目前国家助学贷款中学生拖贷、银行惜贷的现实困境；其次分析了产生国家助学贷款困境的原因。

Firstly points out the reality of student loans delayed and banks reluctant to lend . Then by analyzing the reasons of the plight of the national student loans .