【摘要】 信贷过程中存在贷款人与借款人之间的信息不对称 ,从而导致信贷过程中出现道德风险。道德风险是信贷风险产生的根源。银行实际操作中 ,显性与隐性激励机制的存在可以减少信贷风险。本文通过建立防范道德风险的激励模型和企业声誉模型 ,分析了显性与隐性激励机制在信贷风险控制中的作用更多还原

【Abstract】 There is the asymmetric information between the creditor and debtor in the process of borrowing or lending m oney,which leads to the moral hazard.Moral hazard is the cause of credit risk.In the practice of bank,the existence of explicit and implicit incentive mechanism reduces the credit risk. This paper establishes the incentive model of guarding moral hazard and the reputation model of firm ,then analysis the roles of explicit and implicit incentive mechanism for controlling the credit risk.更多还原