| 银行贷款审批中的道德风险及其防范 |
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| 引用本文： | 杨军,姜彦福.银行贷款审批中的道德风险及其防范[J].清华大学学报(哲学社会科学版),2001(3). |
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| 作者姓名： | 杨军 姜彦福 |
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| 作者单位： | 清华大学经济管理学院!北京100084 |
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| 摘 要： | 文章运用信息经济学的理论，分析了银行贷款行为中存在的“滥贷”和“借贷”现象及其原因，并通过委托——代理模型，提出防范道德风险的机制。
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| 关 键 词： | 贷款审批 道德风险 信息经济学 |
The Moral Hazard in Loan Approval and Its Prevention |
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| YANG Jun,JIANG Yan - fu.The Moral Hazard in Loan Approval and Its Prevention[J].Journal of Tsinghua University(Philosophy and Social Sciences),2001(3). |
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| Authors: | YANG Jun JIANG Yan - fu |
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| Abstract: | The abuse and over - conservative in loan approval are studied by the means of information economics theory. The reason is explained. The mechanism of preventing moral hazard in loan approval is studied in a pricinpal - agent model. |
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| Keywords: | loan approval moral hazard information economics |
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