| 信息结构不对称与银行体系的不良资产 |
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| 引用本文： | 王廷惠.信息结构不对称与银行体系的不良资产[J].广西经济管理干部学院学报,2001,13(3):22-27,40. |
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| 作者姓名： | 王廷惠 |
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| 作者单位： | 华南师范大学,广东,广州,510070 |
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| 摘 要： | 信息结构不对称是银行体系出现不良资产的一般原因。由于信息结构不对称导致的金融风险具有客观必然性 ,防范和化解风险的思路必须从消除或缓解信息结构不对称问题的角度入手。实行主办银行制度、建立声誉机制、规范和完善法律机制、改进呆账准备金制度和加强政府的金融监管都是可以考虑的措施。
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| 关 键 词： | 信息结构不对称 金融风险 银行制度 |
| 文章编号： | 1008-8806(2001)03-0022-06 |
Information Asymmetry and the Bad Assets of Bank System |
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| WANG,Ting-hui.Information Asymmetry and the Bad Assets of Bank System[J].The Journal of Guangxi Economic Management Cadre College,2001,13(3):22-27,40. |
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| Authors: | WANG Ting-hui |
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| Abstract: | Information asymmetry results in the bad assets of bank systemThe key solutions of keeping away from financial risk depend mainly on eliminating the problem of information asymmetryMeasures such as implementing house-bank system,establishing reputation mechanism and perfecting internal controlling system of bank should be takenAt the same time,the regulation of legal mechanism as well as the construction of bad debt reserve system are equally importantGovernmental supervision cannot be ignored |
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| Keywords: | information asymmetry bad assets financial risk banking sysytem |
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