摘要
文章从信息经济学、信贷配给理论、风险管理理论和巴塞尔新资本协议等视角出发,论述了有关押品的性质、功能和角色,分析了押品发挥作用的基本原理和传导机制,形成了有关现实信贷市场中抵质押品功能的9条结论。最后,结合我国信贷市场发展实际,对商业银行加强押品管理提出了初步建议。
this paper study basic subjects for the nature, functions and roles of collateral by reviews on collateral in the research fields of Economics of Information, Credit Rationing, Risk Management, and Basel Ⅱ. It analyzes the function principles and conducting mechanism of collateral, concluding to 9 statements. Finally recommendations are put forward for the Chinese commercial banks to strengthen collateral management on the basis of China.
出处
《财经研究》
CSSCI
北大核心
2008年第5期123-132,共10页
Journal of Finance and Economics