论银行信贷登记咨询制度与统一授信制度

The Theoretical Analysis of Loan Information Registration System and Commitment Loan System

本文首先论述了单一的统一授信制度由于不能解决银行与企业之间、银行与银行之间的信息摩擦 ,所以其防范信贷风险的作用在理论上是有限的。进而分析了实行银行信贷登记咨询管理制度不仅仅有助于防范新的信贷风险 ,而且会有助于提高整个信贷市场的效率。只有预测到信贷登记咨询管理制度实施后商业银行潜在的信贷行为的变化 ,才能正确地加以引导 ,发挥该项措施的应有效能。

This paper discusses the limited roles of Commitment Loan System in eliminating loan risks for it is incapable of resolving information frictions between banks and enterprises and among banks,and demonstrates that Loan Information Registraton System not only has positive effect on controlling loan risks,but also improves the efficiency of the whole loan markets.Understanding the potential changes in bank's loaning behavior is the key to bring Loan Information Registration System into play.