信息不对称下的银行借贷市场:扭曲及对策研究

Distortion of the Bank Credit Market with Information Asymmetry:and Countermeasure Study

由于信息不对称,以及由此而产生的逆向选择和道德风险问题,使当前的银行信贷市场出现了诸如信贷萎缩、银企关系非市场化、银行贷款抵押错位等扭曲现象。确立完善的信息机制,促进信息的充分化、对称化,是我们防范和化解银行信贷风险的根本所在。

Due to information asymmetry,hence adverse selection and moral hazard,there are some distorted phenomena in bank credit market,such as credit shrink,non market-oriented relations between banks and enterprises,dislocated mortgage loan.It's of essence for guarding and eliminating bank credit risk to establish a perfect information mechanism and to make information more adequate and symmetry.