摘要
我国经济转轨时期银企信用关系的扭曲,是银企金融交易中存在的最大问题。由于不完全契约、不对称信息和信用的次优博弈等市场缺陷的存在,银企金融交易中逆向选择和道德风险行为的存在不可避免。目前,运用制度创新的手段,改善微观经济运行环境,加强银企信用的培育是解决银企债务风险的一条有效途径。
In the economic transitional period, the problem in financial transaction between banks and enterprises is a distorting credit relationship.Through analysis on the theory of incomplete contract,asymmetrical information and credit sub-optional game,this paper demonstrates that the harmful choice and moral hazard in financial transaction between bank and enterprise cannot be avoided.Based on such analysis,some countermeasures such as institutional arrangement,improvement of micro economic environment and credit breeding in financial transaction between banks and enterprises are recommended.
出处
《中国软科学》
CSSCI
北大核心
2003年第2期54-57,共4页
China Soft Science
