摘要
随着市场机制的建立和金融体制改革的深入,企业与银行之间的借贷关系日益复杂,银行对企业的放贷面临新的挑战。企业为了获得贷款想方设法隐瞒自己信息,银行为了避免损失,极力加强监管力度。由于商业银行(放款者)与企业(贷款者)之间存在着信息不对称性,所以它直接影响银行的贷款风险决策。
With establishment of market mechanism and deepening of reform in financial system, the credit relations between firms and banks becomes complicated and banks will face new challenges in providing loans. Among the challenges, the unsymmetrical information held by banks and firms increases the risks of bankers. The paper makes a discussion on three problems of lending money, credit risk protection and gaming between firms and banks on credit, then brings out a credit ranking system.
出处
《经济经纬》
北大核心
2004年第4期119-121,共3页
Economic Survey
关键词
融资
收益率
诚信
支付矩阵
finance
rate of return
credit
payment matrix
