信息不对称下的我国银企信贷关系分析-analysis of bank-enterprise credit relationship in china under asymmetric information.docxVIP

PAGE PAGE 6 the contract which can be chosen of by firms ， can focus on the contract terms of collateral. In addition , while we try to make transactions contract perfect, contracts is incomplete also . After the firm have access to the credit funds, the money flows in the business cycle of th is firm, bank at a dis advantage position about the credit funds ’ operating information . The paper analyze s how to make bank supervision effective ly , and to reduce regulatory costs. This paper presents f ive solutions : First, establish of long -term cooperative relations hip; second , have full control of the client manager ; t hird, bank participates into the firm management to lower cost , learn from Japan - Germany model. Ne xt , use restraint terms in the contract. At last , use information from other Organization . The analysis to the lo an repayment phase begin s with a bank - firm game model also , it concludes that we should minimize the banks collection costs, speed up enterprise breach of contract losses, increase fines to the default firm, so that to make the results of the game develop healthy. In the end, i t analyzes effective punishment mechanism , it is to say, social mechanisms and the legal mechanism together. In brief, the three stages study on our bank - firm credit , which is revolving with the capital, is helpful to underst and the problem in our bank - firm credit relation , and we can propose specific measures target - oriented to improve it, achieves the final aim of high efficiency and low cost. 【Key Words】asymmetric informatio n, b ank- firm credit, loan capital, b ank- firm game PAGE PAGE 1 山西财经大学 学位论文原创性声明 本人郑重声明：所呈交的学位论文，是本人在导师的指导下，独立进行研究工作所取得 的成果。除文中已经注明引用的内容外，本论文不包含任何其他个人或集体已经发表或撰写 过的作品成果。对本文的研究所做出重要贡献的个人和集体，均已在文中以明确方式标明。 本人完全意识到本申明的法律结果由本人承担。 学位论文作者签名： 日期： 年 月 日 山西财经大学 学位论文版权使用授权书 本学位论文作者完全了解学校有关保管、使用学位论文的规定，同意学校 保留并向国家有关部门或机构送交论文的复印件和电子版，允许论文被查阅和 借阅。本人授权山西财经大学可以将本学位论文的全部或部分内容编入有关数 据库进行检索，可以采用影印、缩印或扫