| 信贷市场逆向选择风险和抵押手段的作用分析 |
| |
| 引用本文： | 周浔倩,谭进,孙跃芳.信贷市场逆向选择风险和抵押手段的作用分析[J].重庆大学学报(自然科学版),2005,28(1):113-116. |
| |
| 作者姓名： | 周浔倩 谭进 孙跃芳 |
| |
| 作者单位： | 重庆大学,经济与工商管理学院,重庆,400030;重庆大学,科研处,重庆,400030;重庆大学,机械工程学院,重庆,400030 |
| |
| 基金项目： | 重庆市金融学会招标项目 |
| |
| 摘 要： | 从抵押贷款对项目投资风险程度和银行期望收益的影响入手,通过比较信用贷款和抵押贷款对信贷市场的影响效果,认为抵押物不足值时抵押贷款的风险大于信用贷款,而且在此基础上,分析了抵押手段对利率逆向选择的作用和利率对抵押的逆向选择的作用,提出了将贷款利率和抵押品结合考虑作为银行甄别不完全信息的手段.
|
| 关 键 词： | 信息不对称 信用贷款 抵押贷款 逆向选择 |
| 文章编号： | 1000-582X(2005)01-0113-04 |
| 修稿时间： | 2004年10月22 |
Analysis of Adverse Selection in the Credit Market and the Impact of Mortgage Means |
| |
| ZHOU Xun-qian,TAN Jin,SUN Yue-fang.Analysis of Adverse Selection in the Credit Market and the Impact of Mortgage Means[J].Journal of Chongqing University(Natural Science Edition),2005,28(1):113-116. |
| |
| Authors: | ZHOU Xun-qian TAN Jin SUN Yue-fang |
| |
| Abstract: | From the impact of mortgage loan on the degreeof investment risk and the expected profit of bank,the authors draw the conclusion that the risk of mortgage loan is larger than the risk of credit loan when the gage is not enough by comparing mortgage loan with credit loan. And they also analyse the relation of the gage, loan rate, and adverse selection. The gage and loan rate are presented which can be use as themeans of examining information for the bank. |
| |
| Keywords: | asymmetric information credit loan mortgage loan adverse selection |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ |
| 点击此处可从《重庆大学学报(自然科学版)》浏览原始摘要信息 |
| 点击此处可从《重庆大学学报(自然科学版)》下载免费的PDF全文 |
|
