银行业监管中的信息不对称问题研究

Research of imformation unsymmetrical problem

本文探讨了我国银行业监管中信息不对称的具体表现及信息不对称产生的原因,进而指出缓解信息不对称问题的关键在于加强信息披露,具体包括完善法律制度和加强金融监管部门对各商业银行信息披露的监管,在此基础上完善银行内控机制促进银行信息传递、创建新型监管关系等。

In this essay we analyzed the appearances and reasons of information a symmetry in the banking industry supervision. In our opinion, to diffuse the information deeply and widely is the most important work in dealing with this issue.The measures include： establishing the credit record pool; perfecting the laws about banking; strengthening the supervision about information diffusion; improving the structures inside banks; cultivating the new relationship between the supervisors and supervisees.