基于信息不对称性条件下银行存量客户潜在价值的二次挖掘

Secondary Mining of Potential Value for Stock Customers based on Information Asymmetry

在当前全球经济形势不容乐观的大环境下,由于信贷市场中普遍存在的信息不对称性,使得银行在面对资金需求者做出信贷决策时面临较大违约风险。针对该问题,在传统信贷过程中引入了信号模型及存量客户角色,研究了存量客户参与下的基于信息不对称性下多阶段银行信贷策略选择的过程,试图从一个全新的角度探索有效的信贷资金风险防范机制。

Due to the widespread information asymmetry in the credit market,the banks face a greater risk of default when faced of financial needs to make credit decisions,which is under the current global economic situation is not optimistic about the environment.To solve this problem,this paper introduces the signal model and the stock of customers role in traditional credit process,study the process of selecting multi stage bank credit strategy under information asymmetry based on the stock of customers participation,trying to explore the effective mechanism of preventing the credit risk from a new perspective.