| 基于债权人权益保障下的信贷契约设计 |
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| 引用本文： | 周振歧. 基于债权人权益保障下的信贷契约设计[J]. 西南科技大学学报(哲学社会科学版), 2005, 22(1): 52-55 |
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| 作者姓名： | 周振歧 |
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| 作者单位： | 陕西省汉中财经学校 陕西汉中723000 |
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| 摘 要： | 以信贷契约理论作为逻辑起点,剖析了企业融资行为中的道德风险倾向,指出目前主流的公司治理理论——尤其是股东治理理论对债权人权益的忽略。是造成我国商业银行巨额不良资产的深层次原因。提出银行作为债权人参与公司治理非常必要,并进一步探讨了基于债权人权益保障下的信贷契约设计问题。
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| 关 键 词： | 信贷契约 债权人治理 重新谈判 债务重组 |
| 文章编号： | 1672-4860(2005)01-0052-04 |
| 修稿时间： | 2004-11-03 |
Contract Design of Credit According to the Creditor Rights Guarantees |
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| Zhou Zhenqi. Contract Design of Credit According to the Creditor Rights Guarantees[J]. Journal of Southwest University of Science and Technology, 2005, 22(1): 52-55 |
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| Authors: | Zhou Zhenqi |
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| Affiliation: | Zhou Zhenqi |
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| Abstract: | Logically beginning with contract theory in credit, the trend of moral hazard is analyzed in enterprise's financing behavior, then the current mainstream of the theories of corporate governance pointed out, especially the theories of shareholder governance neglect the creditor rights. There is a deep reason that results in a huge sum of bad assets in commercial banks of our country. So it is necessary for the bank as the creditor to participate in corporate governance. In the end, contract design of credit is probed into according to the creditor rights guarantees. |
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| Keywords: | contract of credit creditor guarantee renegotiation debt recomposition |
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