| 信息约束对信贷效率的影响与对策研究 |
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| 引用本文： | 肖洪广,肖小勇.信息约束对信贷效率的影响与对策研究[J].商业研究,2005(12):42-45. |
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| 作者姓名： | 肖洪广 肖小勇 |
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| 作者单位： | 1. 华南师范大学,经管学院,广东,广州,510631
2. 中南大学,商学院,湖南,长沙,410083 |
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| 摘 要： | 从信息呈报和信息治理的角度,分析了我国信贷市场存在严重信息约束的原因。认为现阶段信息约束导致了我国信贷市场局部信用膨胀和局部信用紧缩同时并存的局面,严重制约了我国信贷效率。指出要解决我国信贷市场的信息约束问题,必须在信息呈报的基础上完善信息治理,并着重探讨了信息治理的几种主要方式,提出了缓解信贷市场中的信息约束、提高信贷效率的政策建议。
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| 关 键 词： | 信息约束 信息呈报 信息治理 信贷效率 |
| 文章编号： | 1001-148X(2005)12-0042-04 |
| 修稿时间： | 2004年3月23日 |
The Impact of Information Restriction on Credit Efficiency |
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| XIAO Hong-guang,XIAO Xiao-yong.The Impact of Information Restriction on Credit Efficiency[J].Commercial Research,2005(12):42-45. |
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| Authors: | XIAO Hong-guang XIAO Xiao-yong |
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| Abstract: | The paper analyses the causes of serious information restriction in the domestic lean market from the aspects of information reporting and information governing.As a result of information governing,both credit inflation and deflation exist and lower the market efficiency.In order to eliminate information restriction,the reporting based on governing have to be improved.It raises the suggestions on how to govern information,eliminate restrictions and enhance credit efficiency. |
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| Keywords: | information restrictions information reporting information governing credit efficiency |
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