基于银行信贷分析的信用信息共享研究

Research on Credit Information Sharing Based on Game Analysis of Bank Credit

银行信贷是最主要的信贷形式,由信息不对称引起的不良选择和道德风险是银行普遍面临的问题,银行可以通过信用信息共享来降低由信息不对称带来的坏账损失。因此,征信体系的出现是信贷市场成熟的标志,也是借贷双方长期博弈的结果,动态的博弈活动也会影响到信用信息共享的效率。

The bank credit is the most main credit form. Asymmetrical information can lead to adverse choice and moral hazard. Banks can reduce bad accounts resulted from asymmetrical information by credit information sharing. Therefore, the emergence of credit system is a sign of maturity of credit markets and is the outcome of long - term credit game between borrowing and lending. The dynamic game will also influence the efficient of the credit information sharing.