| 商业银行"惜贷"问题的信息经济学分析及其对策 |
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| 引用本文： | 宋巍,赵伟,李英.商业银行"惜贷"问题的信息经济学分析及其对策[J].辽宁科技学院学报,2007,9(1):41-43. |
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| 作者姓名： | 宋巍 赵伟 李英 |
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| 作者单位： | 东北大学工商管理学院,辽宁,沈阳,110004;中国人民银行本溪市中心支行,辽宁,本溪,117000 |
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| 摘 要： | "惜贷"现象是现阶段国有商业银行普遍存在的问题,文章基于信息经济学原理,通过分析商业银行的贷款利率的形成机制,解释了银行"惜贷"现象出现的原因.结论表明:只有将商业银行的风险厌恶行为与信贷市场中存在的严重信息不对称相结合,才能完全解释"惜贷"现象,并从根本上解决商业银行"惜贷"与信贷紧缩问题,最终提高商业银行的融资效率.
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| 关 键 词： | 商业银行 信息不对称 贷款利率 "惜贷" |
| 文章编号： | 1008-3723(2007)01-0041-03 |
| 修稿时间： | 2006年10月28日 |
An Informational Economics Explanation and Its Countermeasures of the Credit Stinting for Commercial Banks |
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| SONG Wei,ZHAO Wei,LI Ying.An Informational Economics Explanation and Its Countermeasures of the Credit Stinting for Commercial Banks[J].Journal of Liaoning Institute of Science and Technology,2007,9(1):41-43. |
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| Authors: | SONG Wei ZHAO Wei LI Ying |
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| Abstract: | There is a prevalent phenomenon of credit stinting in commercial banks .. Based on the principle of information economy, the paper explains the cause of credit stinting for commercial banks by analyzing the generated mechanism of credit rate. The conclusion shows that, we can better explain the phenomenon of credit stinting only by combining the risk aversion of bankers and the serious information asymmetry in the loan markets. Moreover, the mitigation of credit contraction and the improvement of financing efficiency depend on the resolution of these two problems mentioned above. |
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| Keywords: | Commercial bank Information asymmetry Credit rate Credit stinting |
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