However,little attention has been paid to the credit rationing decision process of banks and enterprises.Beginning with the balance of credit market,this article mainly analyses the bas...

• 笔者从传统的信贷市场均衡入手,着重分析了信贷市场的利率选择、最优利率形成原则以及信贷配给产生的原因,以期对我国进行宏观经济调整起到一定的借鉴作用。