我国银企信贷分析与信用缺失治理

Analysis on Credit of Commercial Bank and Company in China and Creditability Deficiency Governance

本文从博弈论的视角对商业银行和企业在申请贷款与偿还贷款时的策略选择行为进行了分析,揭示出我国在市场经济转轨过程中银企信用缺失是信贷风险产生的部分原因,在此基础上阐述了我国信用缺失的微观机理,提出信用缺失治理的关键必须通过健全信用管理相关的法律体系,个人、企业征信评估机制和良好的社会信用坏境等策略来加速诚信社会的进程。

This paper analyzes the tactics among commercial bank and company in China from the game angle while they apply for the loan and repay the loan, It reveals that creditability deficiency is part of the reason why credit risk produces during the process that planned economy turns in to marketing economy in our country , having explained the microcosm mechanism of creditability deficiency , It put forward the key point of creditability deficiency governance is to accelerate process of sincere society by perfecting relevant legal systems of credit management,credit assess mechanism of individual and company,good social credit environment.