商业银行信贷合约行为分析

Analysis of the Commercial Bank Credit Contract Behavior

在商业银行与借款者之间,既存在事前非对称信息,又存在事后非对称信息,使之产生信贷风险.针对这种信息结构,商业银行分别在事前与事后采取甄别行动与审查行动,即事前甄别,改进了借款者的信用质量;事后审查,降低了借款者的毁约率,从而改善不对称信息结构,进而提高商业银行的预期收益函数值.

There is not only ex ante nonsymmetric information, but also ex post nonsymmetric information between the commercial banks and the borrowers, and then lead to produce the credit risk. In order to improve this information structure and raise the expected yield function of the banks, the banks take the different actions before and after the event respectively, such as screening and monitoring, namely screen in advance, improve the borrower's credit quality; and monitor afterwards, then reduce the borrower's breaking promise rate.