摘要
个人消费信贷的非对称信息,存在着逆向选择效应和道德风险效应。我国目前发展个人消费信贷中出现的银行“惧贷”和借款人忽视维护自身信誉的现象,是在现有的个人信用制度缺位的制度安排下授受信主体间动态博弈的均衡结果。建立全国个人信用信息系统,则可实现信誉信息的高效率传递,不仅能在很大程度上解决信息的不对称,同时还给人们提供了一个追求长期利益的稳定预期和重复博弈的规则,从而有利于信誉机制的创造和完善。
The unsymmetrical infonnation of personal consumer loans has regressive effect and moral risk effect. The phenomenon that China's commercial banks are reluctant to offer more loans and the borrowers do not pay attention to their image in the consumer loans is the result of the deficiency of present personal credit system. Building the personal credit information system throughout the country can realize higher proficient communication of credit information, not only solving the information asymmetry to some extend, but also providing us the rule of steadfast expectation of pursuing the long-term's profit and multi-facets' games, and finally improving the credit mechanism.
出处
《金融研究》
CSSCI
北大核心
2003年第10期92-97,共6页
Journal of Financial Research
关键词
个人消费信贷
非对称信息
博弈分析
信誉机制
个人信用信息系统
personal consumer loan, unsymmetrical information, game analysis, credit mecha-nism, personal credit information system
