摘要
从抵押贷款对项目投资风险程度和银行期望收益的影响入手,通过比较信用贷款和抵押贷款对信贷市场的影响效果,认为抵押物不足值时抵押贷款的风险大于信用贷款,而且在此基础上,分析了抵押手段对利率逆向选择的作用和利率对抵押的逆向选择的作用,提出了将贷款利率和抵押品结合考虑作为银行甄别不完全信息的手段。
From the impact of mortgage loan on the degreeof investment risk and the expected profit of bank,the authors draw the conclusion that the risk of mortgage loan is larger than the risk of credit loan when the gage is not enough by comparing mortgage loan with credit loan. And they also analyse the relation of the gage, loan rate, and adverse selection. The gage and loan rate are presented which can be use as themeans of examining information for the bank.
出处
《重庆大学学报(自然科学版)》
EI
CAS
CSCD
北大核心
2005年第1期113-116,共4页
Journal of Chongqing University
基金
重庆市金融学会课题
关键词
信息不对称
信用贷款
抵押贷款
逆向选择
asymmetric information
credit loan
mortgage loan
adverse selection