基于博弈视角的银企信贷关系分析

银行和企业之间的信贷关系是影响我国经济增长的重要因素。由于信息不对称，银企信贷关系存在着很大的不确定性。本文通过对银企信贷行为的博弈分析，找出信贷风险的存在原因。通过增大企业贷款前的伪装成本，减少企业的逆向选择行为；增大企业贷款后的惩罚成本，减少企业的道德风险行为，从根本上改变银企之间的信息不对称状况，有利于银企关系的良好发展。

Game Theory Analysis on Bank-Enterprise Credit Relation

The relationship between banks and enterprises has become an important factor affecting economic growth of China.Because of asymmetric information,there remains uncertainty between banks and enterprises.In this paper,I gave a prelimina ry analysis on bank-enterprise credit relation with a game theory,and found the causes of credit risk.In order to reduce adverse selection before credit and moral hazard afterwards,we augmented the whitewashing cost and penalty.As the paper proved,this way can essentially inf...