Asymmetric Information And The Credit Position Of Commercial Banks In China To Study

At present, Interest income accounts for ninety percent of total income of commercial banks. So whether the mass of loan is good or not is the key of competition of commercial banks. Although the bad loan ratio decreased much, Commercial banks still have many problems to be solved. For example, many bad loans haven't been disposed of efficiently, potential risk is still high. From the experience of foreign banks, bank crisis is usually the core of financial crisis. On the one hand, bank crisis will be handed on by credit chain, Causing financial crisis; On the other hand, though financial crisis is not caused by bank, bank crisis usually follows and deteriorates financial crisis and influences the whole country's financial system. To ensure the safe financial system, commercial bank must solve the problem of credit position. But, since asymmetric information exists extensively, how to decide credit position, in other word, what the foundation of credit position is still influencing bank's development.According to many actual problems, for instance, bad credit asset, the speculation of credit market etc, from the angle of asymmetric information, the thesis adapt the methods of information economics to the creation and cause of asymmetric information of credit market, the problems and deficiency of credit position and the relationship between asymmetric information and credit position. Finally, draw a conclusion that the level of asymmetric information is the objective foundation of credit position and find a new way to decide credit position scientificly, reasonably and correctly. The thesis adapts asymmetric information to the analysis and comparison of problems of credit position. Deeply analyzes the improvement of asymmetric information between bank and enterprise. The thesis puts forth concrete solutions to decrease asymmetrical information and eliminate the lemons of credit market, the thesis also puts forth suggestions to informationize credit position of commercial banks.