Due tipi di razionamento del credito. (Two kinds of credit rationing)
DOI:
https://doi.org/10.13133/2037-3651/11286Keywords:
Financial development, interest rates, credit rationing, bank rationing, government rationingAbstract
Alcuni sostenitori dello sviluppo finanziario hanno mosso un potente attacco contro il controllo governativo dei tassi di interesse appoggiandosi sugli effetti discriminatori di razionamento del credito . In tal modo essi hanno confuso i problemi attribuendo ai governi le conseguenze che normalmente derivano dal razionamento del credito da parte delle banche , anche in assenza di controllo legale . Lo scopo di questo articolo è quello di chiarire la confusione distinguendo più chiaramente tra i due tipi di razionamento del credito , " razionamento bancario " e " razionamento governativo" .
Some advocates of financial development have made a powerful case against government control of interest rates by resting their case on the discriminatory effects of credit rationing. In doing so they have confused the issues by attributing to government controls the consequences which normally flow from credit rationing by banks even in the absence of legal control. The object of the article is to clear up the confusion by distinguishing more clearly between two kinds of credit rationing, “bank rationing” and “government rationing”.
JEL: E51, E43
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