摘要
文章运用信息经济学的理论，分析了银行贷款行为中存在的“滥贷”和“借贷”现象及其原因，并通过委托——代理模型，提出防范道德风险的机制。
The abuse and over - conservative in loan approval are studied by the means of information economics theory. The reason is explained. The mechanism of preventing moral hazard in loan approval is studied in a pricinpal - agent model.
出处
《清华大学学报（哲学社会科学版）》
CSSCI
北大核心
2001年第3期49-53,共5页
Journal of Tsinghua University(Philosophy and Social Sciences)
