银行信贷风险管理中的筛选审查与合约设计  

Screening,Monitoring and Contracting in Bank's Credit Risk Management

作　　者：朱祖宁[1] 马卫东[1] 

机构地区：[1]上海大学国际工商与管理学院,上海201800

出　　处：《上海大学学报（自然科学版）》2006年第1期107-110,共4页Journal of Shanghai University:Natural Science Edition

摘　　要：首次提出了在两维变量共同影响下银行如何对授信项目进行事前筛选和事后审查问题,建立模型并设计合约,深入分析了它们的相互关系并说明在信贷风险管理中的作用.This article discusses the problem of how a bank screens and monitors loan projects based on two- dimensional variables. A relative model is established, and contracts are designed. Finally, a study on how these factors mutually interact is conducted, which helps to manage the loan risk

关 键 词：两维变量 事前筛选 事后审查 信贷风险 不对称信息 

分 类 号：F830.51[经济管理—金融学]