最终贷款人理论及其发展综述  

Review of the Theory of Final Loaner and Its Development

作　　者：王玉[1] 陈柳钦[2] 

机构地区：[1]中国人民大学财政金融学院,北京100872 [2]天津社会科学院,天津300191

出　　处：《云南财经大学学报》2007年第1期17-23,共7页Journal of Yunnan University of Finance and Economics

摘　　要：面对风云莫测的金融市场,最终贷款人如何有效的防范、化解金融风险和减少金融机构道德风险,是当今各国面临的重要课题之一。首先介绍了最终贷款人的基本观点,指出迅速变化的金融环境对这些传统意义上的最终贷款人理论提出了严峻的挑战。在此基础上,对现代最终贷款人理论的有关文献进行了总结,重点评述了现代最终贷款人理论的一个重要内容——道德风险的防范。One of the important tasks facing different countries in stock market nowadays is on how to guard against and solve financial risks and how to reduce moral risks of financial institutions by final loaner. First, the author introduces the basic views of final loaner, and points out that these traditional final loaners face serious challenges because of the fast changing of financial environment. Based on this, the author sums up relative literature of modern final loaner and put emphasis on the guard against moral risks.

关 键 词：最终贷款人 道德风险 建设性模糊 

分 类 号：F830[经济管理—金融学]