我国商业银行房地产开发贷款中的“柠檬”问题分析

在我国商业银行房地产开发贷款中,由于商业银行与房地产企业之间的信息不对称,必定存在着逆向选择趋势,本文阐述了房地产开发贷款中因逆向选择而引起的市场交易的低效率现象,根据柠檬原理,本文将此现象视为一种柠檬现象,并提出相应对策建议。

There are information asymmetry among commercial hanks and real estate enterprise in the course of real estate loaning. The phcnomenon must bring converse behavior trend. The paper analyzed how it lead to low efficiency in real estate dealing. Based on the course , the paper take it as a phenomenon of Lemon, and analyzed the form meehanism, In the end, cnrresponding Countermeasures are proposed.