Information Disequilibrium And Managing Risk Of Commercial Bank

There was a popular opinion, which considered the non-bank financial structure risk is the most important risk in the financial risk. Because the non-bank financial structures' behaviour was not regular and always disobey the financial rulers. Especially there was a lot of non-bank financial structure has been faced to bankruptcy because they can't afford the debt. So the non-bank financial structure risk was always considered the first object in the financial risk. But compared with the bank risk, the non-bank financial structure risk was litter than bank risk from the amounts and the degree. So the managing risk of commercial bank is the important point that will be analysed in the essay.But in the past analyzing of the causes that banks face the managing risk, more attention was paid to the source of capital is not matchable with the applying structure and the period of capital, or the borrowers' credit is not known clearly to the lender and the qualification examination is not strict, as well as the account for the system and the policy. According to the theory of the traditional economics, most of the factors will decrease little by little and the financial risk will be reduced step by step, with the development of the economic and the progress of society and scientific technology. With the progress of social economy and technology, the result of practical economic moving and the analysis of living examples prove that the new risk is more complex and more difficult to forecast than the period of low level. Since 1990's, with the wave of world economic integration and financial market globally, some unsure factors increase quickly, the potential financial riskexpose one after another and the financial crises break out again and again. So the analysis to the financial risk is not confined to the outside elements. This essay uses the common theory of the information economic to explain that anti-choice and moral risk caused by information disequilibrium are the further reason of managing risk of bank strengthening and give out the methods of prevent.The essay includes three parts.The first part introduces the managing risk of banks. It chiefly introduces the meaning, the feature and the concrete manifestation.The second part analyses the information disequilibrium among the banks, the companies and the centre bank. At first it introduces the information disequilibrium among them, then analyze the inner reason of behavior dissimilation in the banks and the companies by way of applying the related theory and models of information economics.The third part gives out the concrete methods preventing the managing risk of banks. By setting up the efficient information feedback system, the equiponderant information can be provided to the every sides and preventing the managing risk of banks effectively.