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广义的审贷工作是指与贷款审查工作相关的工作过程,即贷前调查、贷款审查和贷审会审议等。审贷水平包括两个方面的内容:一是审贷效率,他直接关系着信贷决策的及时性,即业务决策的效率,直接决定着农行的竞争能力;二是审贷的质量,它直接关系着信贷决策的准确性。审贷审查的是信息,因此,贷款审查事实上是一种信息处理过程,必须从信息管理的角度去探索提高审贷水平的有效途径。一、信息不对称已成为制约审贷水平提高的瓶颈。“信息不对称”是指金融交易的各方对有关交易的信息没有全面、充分和真实的了解,即整个交易是在“不透明”的前提下进行的。这种“信息不对称”和相应发生的“信息成本”、以及由此导致的“逆向选择”和“道德风险”效应会影响
Broad sense of the work of the loan review refers to the working process related to the loan review work, that is, pre-loan investigation, loan review and loan review deliberation. The level of review and lending includes two aspects: First, the efficiency of loan review, which is directly related to the timeliness of credit decisions, that is, the efficiency of business decisions, which directly determine the competitiveness of ABC; second, the quality of the loan review, which is directly related to The accuracy of credit decisions. Loan review is the information, therefore, loan review is in fact a process of information processing, we must explore from the perspective of information management to improve the efficiency of the level of examination and approval. First, the information asymmetry has become a bottleneck restricting the level of reviewing the loan. “Asymmetric Information ” means that all parties to a financial transaction do not have a complete, sufficient and true understanding of the information about the transaction. That is, the entire transaction is conducted under the condition of “opaque ”. This “information asymmetry” and the corresponding “information cost” that occurs, as well as the resulting “adverse selection” and “moral hazard” effects, can affect