Title :
Study on Commercial Bank Credit Risk Based on Information Asymmetry
Author :
Shi, Chenghua ; Zhang, Kui
Author_Institution :
Sch. of Econ. & Manage., Hebei Univ. of Eng., Handan, China
Abstract :
Credit risk is the main risk faced by the banking industry, so a lot of work has been done to reduce the losses caused by credit risk. The existing of information asymmetry is the root cause of commercial bank credit risk and is certainly a major cause. Credit risk means the possibility to make banks suffer a lot of losses because of the uncertainties in credit activities. The paper firstly analyzed the commercial bank credit risk based on information asymmetry, and then proposed credit risk management measures.
Keywords :
banking; credit transactions; risk management; banking industry; commercial bank credit risk based; information asymmetry; risk management measure; Banking; Business; Ethics; Financial management; Hazards; Information analysis; Investments; Risk analysis; Risk management; Uncertainty; adverse selection; commercial bank; credit risk; information asymmetry; moral hazard;
Conference_Titel :
Business Intelligence and Financial Engineering, 2009. BIFE '09. International Conference on
Conference_Location :
Beijing
Print_ISBN :
978-0-7695-3705-4
DOI :
10.1109/BIFE.2009.175
