Studying About The Security Of Credit Financing In Commercial Bank On The State Of Informational Asymmetry

The modern market economy is the highly developed merchandise economy, and is the highly credit, informational merchandise economy too. But now there is much obstacle of the communication in our nation' s financing market, that is the phenomena of informational asymmetry, this is one of the fundamental reasons that caused the enormous bad assets in the commercial bank. So, study and discuss the credit relationship between the commercial bank and the corporation, including the information distribution, the information communication, the information identification, the information disposal and so on, is very important to control and alleviate the credit risk and support the developing of the market economy. This thesis used the analysis method of informational economics, combining with the finance management theory and method, to study about the security of credit financing in commercial bank on the state of informational asymmetry.In the thesis, the author first analyze the establishment and coursing of the risk- control in the commercial bank, then discuss the cause of credit risk in commercial bank on the state of informational asymmetry, and then analyze the form course of credit risk in commercial bank through a case. Finally, the countermeasures about risk-control at the angle ofthe analysis above have been put forward as following: (1)Promote the consiruction of social credit environment and legal environment actively; (2)Placing the agent in the informational asymmetry; (3)Setting up the criteria and uniform flow of credit operation; (4)Setting up the scientific, perfect and uniform credit evaluation system of corporation; (5)Gelling through the way of the information communication by rebuilding the organization; (6)Establishing the effective assessment and stimulus system; (7) Improving the ability of information revelation and identification though the way of technique innovation.