我国商业银行集团客户信贷风险研究——基于不完全信息博弈的视角-research on credit risk of chinese commercial bank group customers —— based on the perspective of incomplete information game.docxVIP

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我国商业银行集团客户信贷风险研究——基于不完全信息博弈的视角-research on credit risk of chinese commercial bank group customers —— based on the perspective of incomplete information game.docx

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我国商业银行集团客户信贷风险研究——基于不完全信息博弈的视角-research on credit risk of chinese commercial bank group customers —— based on the perspective of incomplete information game

AbstractThisisaseriousasymmetryofinformationincreditmarket.Itistheuncompletegameplayrelationshipbetweenthegroupcustomerandcommercialbanks,thecommercialbankswhichlendtothesamegroupcustomer.Thearticleisastudybasedonthisperspective.Groupcustomercreditcausedahugerisktocommercialbanks.ItshasbeenpressingtostrengthentheGroup’scustomercreditriskcontrol.ItanalyzesthestatusofChina’scustomercreditgroupandtheimpactcausedbythis.Inordertochasetheoccupancyrateandmarginofthemarket,itoccurstheviciouscompetitionbetweencommercailbanks,suchasloweringthecreditconditionsoftheGroupofcustomers.Thisnotonlyresultedintheaccumulationofcreditrisk,butalsoinnotbenefitofthedevelopmentforagriculture,smallandmediumenterprisesandriskindustries.Throughthecreditriskofcommercailbanksandgroupsofcustomercreditcorrelationtesting,itshowedthat,itcausedagreatrisktocommercailbanks.Then,itanalyzedthereasonsfromtheperspectiveofinformationeconomics,theinformationasymmetriesbetweencommercialbanksandgroupclients,thedifferentcommercialbanks,loanguaranteesandgroupswithouttheeffectiveimplementaionofrisk-takingbusinesscustomerslower-costsourceofrisk.Itisasystematicmajorprojecttocontrolgroupofcustomers’creditrisk:Firstofall,weshouldsolvetheinformationasymmetricbetweenbanks,bankandgroupclient.Secondly,themodelofbankloanshouldbeimproved.Thelast,weshouldimprovethesupervisionandmanagementabilityofdepartmentandsocialcreditsystem.Throughthesemeasures,seekfromamulti-level,multi-anglecontroloftheriskofcreditbusinessgroupcustomersinordertoachievethesafety,liquidityandprofitabilityofcommercialbanks,sothattoachieverapidandhealthydevelopmentofChina’sbankingindustry.KeyWords：GroupCustomer;CreditRisk;InformationAsymmetry;Gameplay.目录第1章导论.........................................................11.1选题背景和研究意义..........................................11.1.1选题背景...............................................11.1.2研究意义...............................................21.2文献综述....................................................31.2.1国外相关文献综述..