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ge lai ming yin xing ( meng jia la guo xiang cun yin xing ) kong zhi jiao yi fei yong jing yan tan
Pages: 70-71
Year: Issue:  3
Journal: The Friend of the Head(Financial Observation

Abstract: <正> 银行与贷款者之间的信息不对称,使银行面临逆向选择和道德风险问题。根据斯蒂格利茨对信贷市场逆向选择问题的分析,我们可知,当借贷双方存在着严重的信息不对称时,银行要了解借款人的信用状况和经济状况等具体信息需要很高的信息费用,这种高昂的交易费用,使银行很难将高风险的借款人和低风险的借款人甄别开来,这样就容易出现逆向选择现象。逆向
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