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基于信号博弈的信贷行为分析

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摘要 通过构建信号博弈模型,分析企业在向商业银行申请贷款时提供财务信息作为依据,银行以此为信号来判断企业经营业绩的优劣,并决定是否要对企业发放贷款,而为了成功申请贷款,企业存在粉饰财务信息的可能。通过博弈分析得出结论,在信息不对称的情况下,企业有粉饰财务信息的动机,而银行在无法甄别企业优劣的情况下仍有可能向企业发放贷款。
作者 王露
出处 《市场周刊》 2018年第2期111-112,103,共3页 Market Weekly
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