摘要
“惜贷”现象是现阶段国有商业银行普遍存在的问题,文章基于信息经济学原理,通过分析商业银行的贷款利率的形成机制,解释了银行“惜贷”现象出现的原因。结论表明:只有将商业银行的风险厌恶行为与信贷市场中存在的严重信息不对称相结合,才能完全解释“惜贷”现象,并从根本上解决商业银行“惜贷”与信贷紧缩问题,最终提高商业银行的融资效率。
There is a prevalent phenomenon of credit stinting in commercial banks o. Based on the principle of information economy, the paper explains the cause of credit stinting for commercial banks by analyzing the generated mechanism of credit rate. The conclusion shows that ,we can better explain the phenomenon of credit stinting only by combining the risk aversion of bankers and the serious informarion asymmetry in the loan markets. Moreover, the mitigation of credit contraction and the improvement of financing efficieney depend on the resolution of these two problems mentioned above.
出处
《辽宁科技学院学报》
2007年第1期41-43,共3页
Journal of Liaoning Institute of Science and Technology
关键词
商业银行
信息不对称
贷款利率
“惜贷”
Commercial bank
Information asymmetry
Credit rate
Credit stinting
