| 规避道德危害的信贷决策机制 |
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| 引用本文： | 董小洪,金武.规避道德危害的信贷决策机制[J].上海交通大学学报,1998,32(3):1-5. |
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| 作者姓名： | 董小洪 金武 |
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| 作者单位： | 上海交通大学系统工程研究所，中国银行 |
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| 摘 要： | 研究了在不完全信息的信贷市场中，规避风险厌恶型企业道德危害的信贷决策机制，考察了在该机制中贷款利率、抵押品需求量和信贷配给对规避企业道德危害的作用．提出了这种机制作用下均衡的贷款合同应满足的一些性质．
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| 关 键 词： | 信贷决策机制 激励相容性 道德危害 信贷配给 |
On Credit Decision Mechanism against Moral Hazard |
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| Dong Xiaohong,Wang Huanchen.On Credit Decision Mechanism against Moral Hazard[J].Journal of Shanghai Jiaotong University,1998,32(3):1-5. |
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| Authors: | Dong Xiaohong Wang Huanchen |
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| Abstract: | The credit decision mechanism against moral hazard in a competitive market with imperfect information when entrepreneurs are risk averse is studied in this paper.The roles of interest repayment,collateral and rationing in credit market with imperfect information are analyzed.The properties of credit decision mechanism in equilibrium are presented. |
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| Keywords: | credit decision mechanism incentive compatibility moral hazard credit rationing |
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