信息不对称条件下信贷配给的形成与效应分析

An Analysis of the Formation and Effect of Credit Rationing under the Conditions of Asymmetric Information

借鉴S-W模型论证了在信息不对称约束条件下信贷配给效应的形成机理,剖析信贷配给效应对我国经济的影响,表现为:影响货币政策利率和信贷传导效力;导致信贷市场分化为强势借款者群体和弱势借款者群体;降低了信贷资源配置效率;刺激了银行职业经理人的"寻租"行为等。

With reference to S-W model, This paper verifies the structuing mechansim of the effect of Credit Rationing under the condition of Information Asymmetry, and deeply analyse the effect of Credit Rationing on China＇s Economy ： affecting the Monetary Policy Interest Rate and The Credit Conduction Effect;Splitting the Credit Market to the strong Borrowers and vulnerable groups of Borrowers ; Lowering the Efficiency of the allocation of Credit Resources ; Stimulating the Bank managers ＂Rent-Seeking＂ behavior.