论信息不对称条件下商业银行信用风险定价方法的适用性与局限性

信用风险是金融机构体系面临的主要风险之一。在信息不对称下，无论在事前或事后，商业银行都无法及时全面地掌握、跟踪到企业的信用状况。尤其在我国社会信用体制尚不健全，信用风险产生的原因往往来自于主、客观因素共同作用的结果。因此，如何在信息不对称下甄别信用风险、寻求合理的风险定价已成为我国现代商业银行面临的重要课题之一。

On the Usefulness and Limitations of Commercial Bank Credit Risk Pricing under the Condition of Asymmetric Information

Credit risk is one of the most important risks of financial institutions.Under the condition of asymmetric information,no matter pre-event or post-event,the commercial bank cannot master and track the credit level of the enterprises completely and timely.Specially,in China,there has not been built a sound social credit system,credit risk always comes from subjective and objective factors.Therefore,one of the most important subjects for the modern commercial bank is how to discern credit risk and seek reason...