贷款利率浮动区间扩大与银行授信业务风险性研究

The expanding for Floating Range of Credit Interest and the risk of bank's credit business

本文建立并比较了两种不同贷款利率条件下的信贷市场模型,对我国银行授信业务中存在的风险问题进行了研究。得出结论,只有扩大贷款利率浮动区间,才能使利率成为银行信贷业务中的甄别机制,并对我国利率市场化改革问题提出了政策建议。

By constructing and comparing two models with different conditions of cred it interest,this essay explains the risk of bank credit business in China.Finall y,the assay draws the conclusion that only by expanding the floating range of Cr edit Interest,in-terest can be the Screening Devices in bank credit business.mo reover,the essay gives suggestions for the reform of interest liberaliza鄄tion i n China.