在利率管制下的卖方垄断型信贷市场中，担保额是银行甄别企业风险的有效工具，但这依赖于企业的风险收益特征。
In the monopolistic credit market with regulation interest rate, collateral is an efficient tool to screen the risk of SMEs.
在利率管制下的卖方垄断型信贷市场中，担保额是银行甄别企业风险的有效工具，但这依赖于企业的风险收益特征。
In the monopolistic credit market with regulation interest rate, collateral is an efficient tool to screen the risk of SMEs.
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