探讨银行信贷分析的信用信息共享

本文首先对现今的银行借贷现状进行简要描述,然后又对借款人与银行间的博弈进行详细分析,然后描述了公共征信系统建立的背景及其信用信息共享所面临的不利因素,最后对全文进行了总结,为以后征信制度的建立打下基础。

First,this paper give a brief description on the current situation of the bank lending,and then give a detailed analysis on the game between the bank and the borrower,at last,summarized the full text,laying the foundation of establishment of the credit reporting system.