基于信息不对称条件下金融租赁与商业银行业务的关系研究

在银行信贷市场中，信息不对称是困扰信贷市场的一大难题，导致大量的银行贷款无法收回，使缺乏信息的银行出现“惜贷”的不正常现象。由于信息不对称导致的逆向选择和道德风险问题的存在，使大量的中小企业被排斥在正规的金融体系之外。     

高校贷款风险分析及其防范

近年来,随着高等教育改革的逐步深化,“银校合作”的方式在全国迅速得到推广,银行信贷资本大量涌入高等教育领域,促进了高等教育事业的飞速发展和扩张。高校在借助银行贷款扩张过程中,存在着贷款规模与贷款结构不对称、扩张速度与偿还能力不对称等问题,极易形成高校的财务风险和银行信贷风险,高校应注重对贷款风险的分析,并采取积极措施规避风险。     

信息不对称对证券市场影响的研究分析

信息的完全和透明是证券市场秩序规范、健康发展的基本条件,我国证券市场存在的信息不时称,影响证券市场的运作效率,使投资者失去信心,导致市场资金来源枯竭.解决信息不对称,首先是政府的义务和职能.因此,需要政府从制度上,实现证券市场的规范化,加大证券市场的监管力度.证券市场在我国是一个新兴的市场.文章结合目前的我国证券市场发展的现状和方向,分析了我国证券市场信息不对称的原因、风险、可能的后果以及其影响.其中内幕交易和信息披露又成为证券市场中信息不对称的主要表现形式.从信息披露的角度,文章分析了我国证券市场中信息披露的必要性、现状以及信息不对称造成的风险.     

银行如何面对信息不对称条件下的贷款风险

本文结合我国银行贷款面临信息不对称所带来的严重风险状况，依据国内外大量实证和理论研究的结果，分析了银行在贷款过程中面临的挑战性问题，从多个角度提出了解决这些问题时可采用的一些判断依据和具体方法。本文的研究也表明，不存在适合所有银行的灵丹妙药，各个银行必须根据自己和借款人的实际情况，选择适合自己的一些判断依据和具体方法，才能有效地面对这些风险和挑战。     

浅析农村信用社的信息不对称现象

在现实经济中，信息不对称普遍存在于市场经济环境中。严重的信息不对称现象也在金融机构的金融商品经营中存在着，这种现象在农村信用社的经营中表现得尤为明显，其直接导致了信用社机制的异化和抗风险能力的低下。本文就农村信用社信息不对称及其风险问题进行了探讨，主要是基层社与央行之间的信息不对称、农村信用社与信用社职工的信息不对称、农村信用社与农户之间的信息不对称等，给出了建议并作出了相应归纳总结。     

基于信息不对称的专精特新中小企业知识产权风险分析

专精特新中小企业创新能力强,参与并掌握关键核心技术攻关研究、加强知识产权保护是培育专精特新企业的关键因素和重要保障。信息不对称理论是微观信息经济学中的重要研究内容,基于信息不对称理论,文章厘清了专精特新企业知识产权风险成因与信息不对称问题之间的逻辑关系,从信息不对称的逆向风险和道德风险两个方面对专精特新企业知识产权管理风险的各个影响要素进行分析,并提出具体的风险管理控制措施。     

信用担保公司面临的不对称问题成因分析

多年来，在担保公司出现之前，商业银行直接承受着来自贷款人的因信息不对称带来的信用风险，信息不对称造成了中小企业的融资困难，这是很多经济发展的一条不可逾越的鸿沟，这一难题也一样困扰着银企双方的共同发展。对于庞大的金融机构银行来说，寻找一个可以转嫁风险的载体成了一件迫在眉睫的事。担保公司的出现解决了他们的燃眉之急，贷款人的大部分信用风险理所当然的转嫁给了担保公司。虽然担保公司能利用其专长和管理技术减少和存款人和贷款人之间的信息不对称性，但始终没有办法消灭信息不对称问题。从现实原因来看，信息不对称问题的产生主要是由于以下原因：     

对我国中小企业银行贷款融资困境的博弈分析

近期,在央行持续的紧缩货币政策压力下,我国部分地区出现了新一轮企业倒闭现象。本文结合我国资本市场现状,分析了我国大多数中小企业选择银行贷款进行融资的原因。并基于银企间信息不对称假设,以简明的静态博弈模型说明银行对中小企业惜贷的内在原因。分析结果表明,建立有效威慑的违约惩罚机制可以有效改善中小企业的融资困境。     

铁本巨额贷款调查与反思

江苏铁本公司通过提供虚假财务报表骗取银行信用和贷款,挪用银行流动资金贷款20多亿元用于固定资产投资,造成巨大风险。在铁本案中,由于银行贷款审批不严和疏于管理、银企之间信息严重不对称等原因,给企业留下了很大的发挥空间,致使国家财产蒙受巨额损失,国内6家金融机构卷入其中,其教训是惨痛和发人深省的。在社会主义市场经济体制日益完善的今天,信贷风险的警钟再次敲响,迫使我们不得不思考一个问题,就是在市场经济条件下,如何重塑银企关系,实现银企双赢?     

浅论我国货币政策中介目标的选择

一、信贷传导与我国的货币政策传导机制1.货币政策的信贷传导与信用配给理论信贷配给,是指对银行贷款的需求大于供给的情况下,除了利率以外其他一些非利率因素也将影响银行信用在大量贷款人之间分配的现象。其原因主要是信贷市场上存在着信息不对称,由此产生逆向选择和道德风险     

Factors affecting bank loan quality: a panel analysis of emerging markets

This study investigates the factors affecting the loan quality of banking sector in seventeen emerging and developing markets using quarterly panel dataset covering period of 2010–2019 and utilising feasible generalised least square methodology. Our empirical analysis suggests that inflation and lending rates negatively affect the banks’ loan quality measured by non-performing loans. On the contrary, economic growth and capital adequacy show a positive impact on banks’ loan quality. The inclusion of the ratio of net open position in foreign exchange to capital and its’ lagged values, as an additional factor, has marked out this research from other studies. Our results reveal that the ratio has a significant negative impact on loan quality in banking. This finding, as it was also seen in Asian crises of 1997, indicates that the higher the ratio net open position in foreign exchange to capital cause moral hazard problem leading to the higher non-performing loans in banking sectors.

     

我国商业银行不良贷款改进策略研究

目前,银行的不良贷款已成为国有商业银行发展和改革中较为重要的一个部分,这主要是既包括了市场性的原因,也包括了制度性的原因。本文分析了我国商业银行不良贷款形成的原因,主要分为外部环境因素引起的不良贷款和金融不良资产形成的内部原因,并提出了有效改进商业银行的不良贷款的措施。     

电子商务环境下消费者行为分析

股票质押贷款是我国商业银行贷款业务的一项创新。本文分析了现行的服务于综合类证券公司的股票质押贷款模式的局限性,提出了一种面向个人投资者的股票质押贷款新模式,并呼吁金融管理当局尽快完善管理办法,使个人股票质押贷款走向合法化。     

商业银行股票质押贷款的风险及防范

股票质押贷款是我国商业银行贷款业务的一项创新。本文分析了券商股票质押借款给提供融资的商业银行可能带来的风险 ,并指出商业银行防范股票质押贷款风险的关键 :一是要选择质地优良的券商和股票、二是要加强对股票变现风险和上市企业风险的防范。     

Foreign bank lending and information asymmetries in China: Empirical evidence from the syndicated loan market

This paper considers whether information asymmetries affect the willingness of foreign banks to participate in syndicated loans to corporate borrowers in China. We analyze how ownership concentration, which influences information asymmetries in the relationship between the borrower and the lender, exerts an impact on the participation of foreign banks in syndicated loans granted to Chinese borrowers in the period 2004–2009. We observe that greater ownership concentration of the borrowing firm does not positively influence participation of foreign banks in the loan syndicate. We conclude that information asymmetries are not exacerbated for foreign banks relative to local banks in China.     

对贷款损失准备监管新规的研究

本次金融危机后,国际监管部门开始研究具有前瞻性和逆周期性的动态贷款拨备计提方法。顺应巴塞尔协议III,我国监管部门推出了四大监管工具,对贷款损失准备的指标即贷款拨备率和拨备覆盖率做了具体规定。本文分析了我国上市银行拨备现状,重点分析了这两个监管指标对上市银行的影响,最后提出相关的政策建议。     

The New Deal and the origins of the modern American real estate loan contract

The fully amortized mortgage loan contract is an important instance of financial innovation in the U.S. residential mortgage market. We examine the adoption of this contract from the 1880s to the 1930s by building and loan (B&L) associations, the nation's most important institutional home mortgage lenders at the time. A chain of complementary innovations by B&Ls gradually reduced the costs of adopting amortization, supporting moderate use by the 1920s. During the crisis of the 1930s, the poor performance of the traditional B&L loan contract radically increased the benefit of adoption, as borrowers demanded the new contract. The adoption examined here occurred primarily in the conventional loan market because B&Ls, unlike other lenders, generally avoided the use of the new Federal Housing Administration insurance program. The New Deal may have had more impact through new federal savings and loan charters, which incorporated many of the complementary innovations that supported the new form of lending.     

居民个人住房贷款风险分析及对策

我国的个人住房贷款风险源于借款人、贷款人、开发商及国家政策等四方面,因此,个人住房贷款应从加强政府监管、有效防范市场风险、建立住房预售风险分担机制着手,有效降低住房贷款风险,促进个人住房贷款市场的健康发展。     

我国开展住房抵押贷款证券化的迫切性分析

文章详细分析了商业银行不断扩大发放住房抵押贷款,积聚了越来越大的信用风险、利率风险、流动性风险和提前还贷风险等系统性风险。从风险管理角度出发,通过创新分散和转移风险已经迫在眉睫,在此意义上,住房抵押贷款证券化显得非常迫切。     

SBA regional loan distribution to minorities

Summary We have shown in this paper a great disparity in the lending activities of a number of Small Business Administration regional offices. There were considerable differences between these regions on their rates of increase and then decline of loans and loan dollars issued over the 1968-1976 period and on their loans and loan dollars per unit population, small businesses, and small business employees. This was found to be the case both for minorities and for the population at large. This, however, is especially disturbing in the context of minority lending activity since SBA lending was the chief vehicle of the federal government’s minority economic development efforts from 1968 to 1976. The economic well-being of a great many minorities with ties to the small business sector was to a large measure affected unequally by the differential SBA lending rates between regions. In fact, insofar as the measures we have selected can be related to “need,” the policy seems to have been counterproductive, having concentrated lending activity precisely in the regions where minority small business in terms of population, employment, and numbers of establishments was strongest and by implication the “need” was least!