商业银行业中的垄断均衡和竞争均衡

本文分析3种银行放贷均衡。对企业有完全信息的垄断银行,银行收益和企业努力程度与抵押物无关,但抵押物有助于降低利率;对企业无完全信息的垄断银行,银行收益也与抵押物无关,抵押物也有助于降低利率,但企业努力程度与抵押物有关;对企业拥有完全信息的银行以及有不完全信息但相互之间是竞争的银行,有完全信息的银行由于拥有信息优势,获得较高的利润。

Monopoly Equilibrium and Competition Equilibrium in the Commercial Bank Business

This article analyzes three kinds of equilibrium about bank loan. The monopoly bank has the complete information of the enterprise, both income of the bank and effort level of the enterprise dont correlate with the security, but the security is helpful to reduce the interest rate. The monopoly bank that does not have the complete information of the enterprise,the income of the bank also doesnt correlate with the security, the security also is helpful to reduce the interest rate, but effort level of the enterprise correlate with the security. To the bank that has no complete information of the enterprise, and the banks that have no complete information but are competitive mutually, because of the information superiority, the first kind of bank can obtain high profit.