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本文建立并比较了四个分别强调不同因素的信贷市场模型 ,对现阶段我国银行业普遍存在的“银行惜贷”现象进行了不同角度的理论解释和征策含义分析。得出结论 ,只有将商业银行的风险厌恶行为与信贷市场中存在的严重信息不对称相结合才能完全解释“银行惜贷”现象 ;而且 ,只有从这两个方面出发 ,才能从根本上解决“银行惜贷”与信贷紧缩问题 ,并最终促进商业银行的融资效率的提高。
This article establishes and compares four credit market models that emphasize different factors respectively, and makes theoretical explanations and policy implications from different perspectives on the phenomenon of “bank looting” that is prevalent in China’s banking sector at this stage. It concludes that the combination of the risk aversion of commercial banks and the serious asymmetry of information in the credit market can completely explain the phenomenon of “banks looting loans.” Moreover, only from these two aspects can we fundamentally solve the problem of “ Bank looting ”and the credit crunch, and ultimately promote the commercial banks to raise the efficiency of financing.