Credit rationing is both ancient and young research area in the economics. Adam Smith has discussed the problem of credit rationing as early as 1776, moreover, credit rationing is an important question about money in19th century in England.

• 信贷配给(credit rationing)是经济学中一个既古老又年轻的研究领域,亚当·斯密(Adam Smith)早在1776年论述高利贷的利率上限时就曾扼要地探讨过信贷配给,而且,信贷配给还是19世纪英国关于金银和货币的争论中的一个重要问题(Viner,1937)。