试析银企信贷市场中的信息不对称及不良资产的化解

Analysis on the Information Dissymmetry of Bank-Enterprise Credit Market and Resolving the Bad Asset

银行与企业的关系是相互依存、相互制约的,银企信贷的发展直接影响我国金融发展和社会经济的正常运行。只有正确认识银企信贷信息不对称的根源,才能通过加强金融监管、建立市场型银企关系等办法,从根本上防范和化解不良资产。

The relationship of banks and enterprises is interdependent and interinhibitive. The development of bank - enterprise credit directly influences the development of China＇ s Finance and the normal operation of social economy. Only can we fundamentally avoid and resolve bad assets through enhancing financial supervision, establishing market- oriented bank - enterprise relationship when we finding out the root of dissymmetry of credit information between banks and enterprises.