关键词: 利率市场化 , 信贷集中 , 小微企业融资 , 前景理论 , 心理账户

Abstract: Based on prospect theory and the theory of mental accounting, this paper tries to figure out what effects behavioral factors of banks would have on their credit decision about whether they would provide loan to an enterprise in certain size, through modeling the prospect of each credit decision of banks We find that, when banks are making credit decisions, behavioral factors will make banks prefer enterprises in bigger size to small and micro enterprises Then we analyze how credit concentration happens and the cause of small and micro enterprises financing problem from the point of view of behavioral finance theory Furthermore, we measure the influence of some certain factors, which are usually used to measure the credit risk of a certain loan, on the credit decisions of banks, and find that interest rate liberalization will help solve small and micro enterprises financing problem In addition, we provide some suggestions to small and micro enterprises, banks and the government to help relieve small and micro enterprises financing problem.

Key words: interest rate liberalization , credit concentration problem , small and micro enterprises financing , prospect theory , mental accounting