信贷市场道德风险分析及防范:利率市场化的视角

Moral Risk Analysis and Counter Measures of Loan Market

目前,我国金融改革,尤其是利率市场化改革,已进入十分关键的阶段。本文就是在这个大前提下,着重从微观层面阐述我国商业银行在利率市场化改革过程中可能面临的道德风险以及防范措施。

Nowadays, the reform of financial system, especially interest- rate liberalization reform has entered into a very critical stage. Under these conditions, the article focuses on the moral risks that our country＇ s commercial banks will encounter during the process of interest- rate liberlization reform and on the measures that we should take to minimize the negative impacts brought about by moral risks.