信息不对称与消费信贷信用风险管理

Information Asymmetry and Consumer Loan Credit Risk Management

信息不对称是消费信贷信用风险产生的根源。为了有效消减银行与消费者之间的信息不对称 ,银行应加强对消费信贷信用风险的管理 ,包括加强对信息的收集 ,对信息进行甄别、评价 ,依据评价结果制定不同的方案 ,对信用风险进行处理等。只有这样 ,才能使消费信贷的信用风险减至最低 ,提高消费信贷的质量。

Information asymmetry is the source of consumer loan credit risks. In order to effectively eliminate information asymmetry between banks and consumers, it’s compulsory for banks to strengthen consumer loan credit risk management, including collection of information, screening and assessment of information, making different solutions on the basis of assessment results, dealing with credit risks. If all above are done, credit risks from consumer loan could be minimized and consumer loan quality be improved.