| 基于信息不对称的信贷配给均衡模型研究 |
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| 引用本文： | 姜海军,惠晓峰. 基于信息不对称的信贷配给均衡模型研究[J]. 金融研究, 2008, 0(9) |
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| 作者姓名： | 姜海军 惠晓峰 |
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| 作者单位： | 招商银行博士后科研工作站;中国人民大学博士后流动站; |
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| 摘 要： | 本文建立了竞争和信息不对称条件下,信贷市场的信贷配给均衡模型,模型表明在为不同的借款人提供由贷款利率和贷款额度组成的相同贷款合同的情况下,信贷市场存在稳定的单合同均衡,信贷市场的均衡在信贷配给点达到,因而从信息不对称和均衡的角度解释了信贷配给现象。
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| 关 键 词： | 信贷市场 信息不对称 均衡 信贷配给 |
Research of Credit Rationing Equilibrium Model Based on Asymmetric Information |
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| Jiang Hiajun Hui Xiaofeng. Research of Credit Rationing Equilibrium Model Based on Asymmetric Information[J]. Journal of Financial Research, 2008, 0(9) |
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| Authors: | Jiang Hiajun Hui Xiaofeng |
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| Abstract: | This paper sets a credit rationing equilibrium model in perfectly competitive credit markets with asymmetric information.The model shows that there will be stable single-contract equilibrium when bank pro- vides the same loan contract that consists of loan rate and loan size to debtors with different moral attributes.As credit markets reach the equilibrium exactly at the point which credit rationing occurs,the model expressly ex- plains credit rationing from the views of asymmetric information and equilibri... |
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| Keywords: | credit markets asymmetric information equilibrium credit rationing |
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