信息不对称下的金融风险机理研究

利用信息不对称理论对市场交易中的道德风险和逆向选择进行了解释。对国家同商业银行及中介机构的信息不对称,商业银行同工商企业的信息不对称,国家金融机构信息获取方面存在的困难的原因进行了分析。研究了由于信息不对称利率、汇率、管理及决策在金融行业的风险,以及操作过程中,贷款对象选择,对中小企业贷款的风险。只要充分重视金融风险,采取得当的防范对策,风险是可以防范的。

Study of Financial Risk with Asymmetric Information

The morality risk and adverse selection in market trade are explained with asymmetric information theory. The asymmetry in information between the state and commercial banks or intermediary organizations, between commercial banks and industrial and commercial enterprises, and the causation of difficulties for national financial organization in acquiring information are analyzed. The risks of interest rate, foreign exchange rate, management and decision-making in financial industry caused by asymmetric information are studied as well as the risks in selection of prospective borrowers and granting loan to medium and small enterprises existed in the operational process. As long as the financial risks are taken seriously and appropriate preventive measures are taken, any risk might be prevented.