从信息视角对银企信用“症结”的探讨——银企信息市场失衡现状及原因分析

本文首先分析了企业与银行信息供给与需求的相互关系,认为目前商业银行信息需求与企业的供给明显失衡,然后分别从企业信息供给特征—数量缺失与质量低劣和银行未形成有效监督信息质量的需求力量两个层次分析了信息供求失衡现状及其原因。而制度、银行、企业之间存在互动关系,本文提出制度创新是平衡银行和企业信息供求的路径选择。

Discussion of Credit between Banks and Enterprises in Point of Information --To Analyses Present Situation and Cause for Lose Balanced of Banks and Enterprises in the Market of Information

Firstly this paper analyses relationships between information supply and information demand, then points out at present supply and demand is out of balance in information market of China. The author separately discusses characteristics of information and banks' demand power. It is found that information is mostly absent and untrue and demand power is deficient. Finally this paper provides that it is required that institution be innovated to keep banks and enterprises away from trouble of credit.