信息不对称理论框架下商业银行的组织创新

Information Asymmetry,Information Technology And the Organizational Innovation of the Commercial Banks

解决信息不对称及其造成的逆向选择和道德风险问题构成商业银行的存在基础,但商业银行的运作也受到信息不对称的不利影响,加之环境的变化使商业银行的信息生产优势受到挑战,在此背景下组织结构缺陷对商业银行信息生产优势发挥的负面影响日渐凸显。因而,商业银行尤其是中国的国有商业银行要进行组织创新。信息技术的发展为商业银行的组织创新提供了机遇、平台和手段。

solving the problem of adverse selection and moral hazard caused by the asymmetric information in the financial market constitutes one of the theoretic foundation of existence of the commercial banks, but the commercial banks are plagued by the asymmetric information. The change of the environment also constitutes the challenge to the dominance of information production of the commercial banks. Under this background, the organizational structure of the commercial banks has negative influence to their position. Information technology provides the platform and the means for the commercial banks to innovate their organizations.