本文選題：商業(yè)銀行 + 信貸�。� 參考：《首都經(jīng)濟貿(mào)易大學(xué)》2012年碩士論文

【摘要】：隨著我國經(jīng)濟的快速增長，我國各領(lǐng)域的增長也取得了長足的進步。金融業(yè)的發(fā)展更是日趨迅猛，其中，商業(yè)銀行發(fā)揮了舉足輕重的作用。但由于歷史或其他因素的原因，，我國商業(yè)銀行存在大量的不良資產(chǎn)，嚴(yán)重阻礙了商業(yè)銀行的發(fā)展。可見，合理防范信貸風(fēng)險已經(jīng)成為了擺在在我國商業(yè)銀行面前的問題。在激烈的市場競爭中，商業(yè)銀行更加需要增強自身的信貸管理水平，減少不良資產(chǎn)的發(fā)生，把握好貸款發(fā)放的關(guān)鍵一環(huán)，才能增強實力，在市場中占有一席之地。 本文首先從信息不對稱角度總結(jié)了以前學(xué)者關(guān)于信貸配給的理論和研究成果。之后，分析了我國商業(yè)銀行和信貸的發(fā)展和現(xiàn)狀，總結(jié)了信貸理論和博弈理論。接下來，運用博弈論的信息對稱和信息不對稱下的靜態(tài)和動態(tài)理論，分析了我國商業(yè)銀行和金融機構(gòu)之間的信貸關(guān)系，聲譽在其中的重要作用，得出如何使信貸博弈重復(fù)進行的解。又分析了商業(yè)銀行和高違約借款者的信貸關(guān)系，得出銀行可以用抵押品和打官司等手段減少違約的發(fā)生。
[Abstract]:With the rapid growth of China's economy, China's growth in various fields has also made considerable progress. The development of the financial industry is increasingly swift and violent, among which, the commercial bank has played a pivotal role. However, due to historical or other factors, there are a large number of non-performing assets in commercial banks in China, which seriously hinder the development of commercial banks. It can be seen that reasonable prevention of credit risk has become a problem in front of commercial banks in China. In the fierce market competition, commercial banks need to enhance their credit management level, reduce the occurrence of non-performing assets, grasp the key link of loan issuance, in order to enhance their strength and occupy a place in the market. This paper first summarizes the previous theories and research results of credit rationing from the point of information asymmetry. Then, the development and present situation of commercial banks and credit in China are analyzed, and the credit theory and game theory are summarized. Then, using the static and dynamic theory of information symmetry and information asymmetry of game theory, this paper analyzes the credit relationship between commercial banks and financial institutions in China, and the important role of reputation in it. The solution of how to make credit game repeated. After analyzing the credit relationship between commercial banks and high default borrowers, it is concluded that banks can use collateral and litigation to reduce the occurrence of default.
【學(xué)位授予單位】：首都經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

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