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在市场经济中,交易双方对信息的充分和对等了解是顺利达成交易和促进资源有效配置的前提,信息不对称成为影响效率的主要因素。在商业银行贷款市场中,企业比银行有着更多、更充分的信息,商业银行通过利率、抵押担保机制、信贷规模的设计来解决信息不对称问题,控制信贷风险。在利率管制的条件下,抵押担保机制扮演了重要角色。
In a market economy, the full and equal understanding of the information by both parties of the transaction is the precondition for a successful transaction and for the effective allocation of resources. Asymmetric information has become a major factor affecting efficiency. In the commercial bank loan market, enterprises have more and more information than banks. Commercial banks solve the problem of information asymmetry through the design of interest rate, mortgage guarantee mechanism and credit scale, and control the credit risk. Under the condition of interest rate control, the mortgage guarantee mechanism plays an important role.