企业与银行交易关系动态模型分析

本文采用动态分析的方法,分析介绍企业融资与以银行为代表的金融机构可能发生的交易关系,论述了以利益最大化为目标的银企双方在贷借活动中可以通过建立相互信赖的长期交易契约未达到节约投资资金使用成本的一个理论依据．指出了企业“名声”所具有的经济价值能减少经济活动中的机会主义行为,银行的“审查能力”能挽救陷入流动性资金不足的企业免于破产的作用．分析的结果可能会对银行商业化、企业现代化及投资管理决策提供一个参考．

ANALYSIS OF DYNAMIC MODEL OF CORRELATION BETWEEN ENTERPRISES AND BANKS

In this paper,we study the possibilities of trade relation between enterprise financing and finacial organization represented by banks with the dynamic analytce ways,discussed a theoretic principle that enter-prises and banks,which maxmize its interests as first object,can deerease c0st and investment funds by con-structing trade bond entrusted each other for the long run and showed that economic values of "fame" in en-terprises can reduce opportunistic actions in economic activities,investigation abilities of bank can help enter-prises in need of active capital not to bankrupt. May be this analysis results afford a reference to bank com-merica1ization,enterprise modernization and investment management decision-