我国商业银行信贷管理中的信息不对称问题探析

Research on the Problems of Asymmetric Information in Credit Management of Chinese Commercial Banks

信息不对称是目前我国商业银行不良贷款比率居高不下的主要外部原因,对商业银行而言,减轻银行与借款企业之间以及银行信贷部门内部信息不对称是提高信贷资产质量的一条带有根本性的措施。解决银企信贷关系中的信息不对称问题的核心是通过建立完善的信息机制,以实现对借款企业的有效监控;解决银行内部信贷控制中存在的信息不对称问题可以从信贷内控制度等方面着手。

The asymmetric information is the main external reason of higher ratio of Non-performing loans in Chinese Commercial banks. Lightening the asymmetric information between banks and borrowing enterprise, the internal asymmetric information of loan sectors in banks was a basic measure which can enhance the quality of the loan assets. The coreelemeut of solving asymmetric information problem between banks and loan enterprise is setting up perfection information mechanism to carry the useful monitoring for loan enterprise. To solve the problem of asymmetric information in the loan controlling of the internal of banks lies in the Internal control system and other aspects.