“逆向选择”风险与非财务因素分析——兼议信贷市场准入资格调查

The Risk of Adverse Selection and Non-financial Factors Analysis

信贷市场中的买卖双方是一种博弈关系 ,信贷营销中存在“逆向选择”风险。作为银行客户经理如何判断、分析“逆向选择”风险 ,其中重要的信息采集来自于非财务因素分析。非财务因素分析要准确采集来自目标企业的相关信息 ,并着重从行业风险、经营风险、管理风险等方面来进行 ,并要紧抓重点 ,依靠对会计政策的熟练掌握来感知企业。

As a relationship of games between the counter parties of a credit transaction,the credit marketing brings the risk of 'Adverse Selection'.To judge and analyze the risk of adverse selection,it is of great importance for the client managers to collect the related information of non-financial factors.And furthermore,the analysis of non-financial factors includes not only the collecting exactly sources of the related information which come from enterprise target,but also the client managers should also establish an order of priority in the analysis and look through the target enterprise on the basis of the grasp of the accounting policy.