摘要
本文通过一个简单的决策模型,对借款者的决策行为进行分析。研究发现:联保贷款内生客户筛选机制,在借款者之间信息对称的情况下,通过借款者的自我选择,能有效避免逆向选择,实现贷款客户筛选的目的。
In this paper, the borrower＇s decision-making behaviors are analyzed by a simple decision model. Conclusions are as follows. The client screening mechanism is endogenic in joint liability loans. Joint liability loans can avoid adverse selection and screen clients effectively by means of borrower＇s self selection if the distribution of its information is symmetry among borrowers.
出处
《金融理论与实践》
北大核心
2007年第11期3-5,共3页
Financial Theory and Practice
基金
国家社会科学基金(04XJY033)
云南省教育厅科学研究基金(06Y135F)
贵州财经学院博士基金(2006016)
关键词
联保贷款
客户筛选
预期收益
joint liability loans
client screening
expected return
