Comparison Between Domestic And Foreign Banks' Credit Investigation System Construction And Its Improvement In China

Banks` risk is the focus of all kinds of economic risks.It has effects on not only stability and health of financial system,but also setting up and carrying out of national macroeconomic policies,even disrupts market order and leads to economic instability.From the perspective of Information Economics,to large degree banks` credit risk comes from information insymmetry between loanees and loaners,which will give rise to loanees` adverse selection before credit and moral risk after credit.These actions of loanees` will bring about banks` credit risk and have bad effects on financial system.Banks` credit investigation is exactly the best solution to credit information insymmetry.In order to solve banks` information insymmetry and lower the credit risk,this paper intends to work out helpful inspirations of our country`s banks` credit investigation and furthermore put forward relevant suggestions through comparison between domestic and foreign banks` credit investigation system construction.