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在社会主义市场经济环境下,商业银行竞争日益激烈,信贷风险随之也不断加剧。究其主要原因在于借款者与贷款者存在着信息不对称。就贷款者与借款者相比较,借款者在其借款信誉、担保信誉度、资金应用情况以及项目的风险与收益等方面信息的熟悉度要远远低于贷款者,为了有效避免或者缓解由信息不对称所带来的商业银行信贷风险,我们有必要研究信息不对称条件下对商业银行信贷风险产生影响的具体表现,并进一步探究了运用信息不对称理论加强信贷风险管理的策略。
Under the socialist market economy, commercial banks are increasingly fiercely competitive, and the credit risk is also aggravating. The main reason is the information asymmetry between borrowers and lenders. Compared with the borrower, the borrower has much lower degree of familiarity with the lender than the borrower in terms of creditworthiness, guarantee credibility, fund application and risk and return of the project. In order to effectively avoid or mitigate the risk caused by the information It is necessary for us to study the credit risk of commercial banks caused by asymmetry. We need to study the concrete manifestation of the credit risk of commercial banks under the condition of information asymmetry, and further explore the strategy of using credit asymmetry theory to strengthen credit risk management.