信息不对称与信贷市场风险

本文从信息经济学的角度探讨信息不对称条件下的信贷风险的形成机理。首先,对信贷活动中信息不对称所产生的逆向选择与道德风险及由此产生的信贷风险进行了一般理论分析;其次,结合我国信贷市场现状,分析了我国信贷市场各活动主体之间,在信贷活动中由于信息不对称而产生的信贷风险的各种表现形式;最后,文章对加强我国商业银行信贷风险管理,改善信息不对称状况提出了若干建议。

Information asymmetry and credit market risk

This paper argues the forming mechanism of credit risk under the condition of information asmmetry in information economics . First, it analyzes adverse selection and moral hazard caused by information asymmetry and its corresponding credit risk. Second, it analyzes the types of manifesting behavior among participator in the present credit market of our country. Last, it proposes some advices to improve credit risk management of commercial bank and the condition of information asymmetry.