信貸市場上借款人信用管理研究——借款人的主動違約及其激勵約束.pdf

1、河北大學(xué)碩士學(xué)位論文信貸市場上借款人信用管理研究——借款人的主動違約及其激勵約束姓名：劉起申請學(xué)位級別：碩士專業(yè)：世界經(jīng)濟指導(dǎo)教師：裴桂芬2001.6.1AbstractAtpresantunereditablebehaviorhasbeenwidespreadedinOUreivileconomiclife，itmanifestsasthefakeandfaultpruduetsemergingendlessly，bilkingbei

2、nginvogueThey’vebadlywomenedourinvestmentenvironment，hinderedthehealthydevefopmentofoureconomyAtthesametimedlefactthatOHFcreditmanagementfallsbehindthecurrentdemandcausestheborrowerbreakingtheirfaithincreditnl&r—ketFromt

3、heviewofmiero—economiCS，theuncreditablebehavierrepresentstheborrower’SactiveandpassivedefaultFromtheviewofmacro—economies，itmainlyrepresentsthecredit—rationingandbanking—crisisAndthebanksandcompaniesofourcountrywillalsoh

4、avetofacetheviolentcompetitionsfromtheirforeigncounterpartsafterourcountryentrythegateofWTOSo，tostudytheborrowers’creditincreditmarketandhowtomanageitareofgreattheoreticalvalueandimmediatesignificanceTheoreticallyspeakin

5、g，undertheasymmetryofinformation，theborrower’Sde—faultandcheatingforloansarerationalchoicesfortheirownmaximizedbenefitsButwecanstillatleastpartlyconstraintheiropportumismulbehaviorbymana西ngtheboriowers’credit，inordertode

6、creasethelossesofbanksandsocialwelfareOnthisway，developedcountriessuchastheUnitedStatesofAmeHeaandJapanhavemadesomebeneficialexperiments，theirexperiencesandlessons&reworthyofbeingusedforourreforenceThispaperfirstsetsfort

7、htheeonseptsofcredit，borrower’Screditandtheirfun—tions，pointsoutthelubricantfunctionaboutcreditandtheharmfulnesstosocietycausedbytheproblemoftheborrower’ScreditThenpenetratesintotheinevitablityofthedishonestchoiceofthebo

8、rrowerfromtheviewofgametheoryandinformationeeonimies，analysesseveralthrorefiealmodelstoavoidthedishonestchoicemadebybormwemNext，fromtheviewofralationshipbetweenbaxlksandenterprises，thepa—perconstruststheAmericaandJapanab

9、outtheirmamagementmodeonborrower’ScreditFinally，accordingtothesituationofourcountry，thepaperputsforwardsomeadvieesonhowtostrongthentheborrower’ScreditmanagementKeywords：CreditmarketCreditmanagementaboutborreweActivedefau