我国商业银行中间业务收费制下的信息不对称因素分析

Aymmetric Information Analysize of China's Commercial Banks' Charge System of Intermediary Business

中国已加入 WTO,商业银行之间的竞争将日趋激烈 ,越来越多的银行开始注重中间业务收入。受实行了多年的低收费甚至不收费制度的影响 ,当前我国商业银行的收费政策受到了很大的挑战。本文从银行、客户之间存在不对称信息的角度出发 。

China has entered WTO and the competition among commercial banks is becoming intenser. More and more banks begin to pay attention to the income of theintermediary business. Affected by system of low-charge or no-charge, China's commercial banks' policy of charge faces much hardship. This paper proves that the root of the handicap of practicing charge policy is the asymmetric informationbetween banks and clients based on their information points.