甄别机制与住房贷款市场效率.docVIP

甄别机制与住房贷款市场效率行政论文范文大全 甄别机制与住房贷款市场效率 摘要：当前我国住房贷款市场中存在着比较严重的信息不对称问题，本文构造了一个信贷市场模型来分析当借款人违约成本是私人信息时住房抵押信贷市场的效率。我们的结论是，贷款合约的多样化对于改善信贷市场的运行效率、降低贷款风险是非常重要的；另外，提高违约成本可以降低贷款的违约风险，改善低风险借款人在非对称信息下的状况。 关键词：甄别机制 信息不对称 住房贷款 违约成本 screening mechanism and housing loan markets’ efficiency abstract: severe information asymmetry exists in chinese current housing loan markets. this article constructs a credit market model to analyze the efficiency of housing mortgage markets while the default costs of borrowers are assumed to be private information. the first conclusion is that diversification of loan