不对称信息下商业银行惜贷行为的博弈分析

商业银行和企业之间存在信息不对称问题,并由此引发了信贷前的逆向选择和信贷后的道德风险。通过对银企行为的博弈分析指出银行为了减少信息不对称带来的风险而产生惜贷行为,并对经济运行产生了不利影响。为缓解银行的惜贷行为,建立高效的信息传递机制来消除银企之间的信息不对称是一条有效途径。

Game Theory Analysis of "Credit Grudging" Behavior of Commercial Banks Under Asymmetric Information

Asymmetric information between banks and enterprises causes adverse selection before credit and moral hazard afteruards. With a Game Theory analysis of the behavior of bank and enterprise, it is indicated that "credit grudging" of commercial banks is the result to reduce the risk of asymmetris information. Banks' "credit grudging" will do harm to the economy.In order to solve the problem, asymmetry information must be eradicated, and an effective information transference mechanism praves to be a sensible countermeasure.