China's Commercial Banks To Adverse Selection Risk Prevention Research

In credit capital market, according to the asymmetrical relationship between the bank and enterprise's information, there is reversion choice effect. In face the reversion choice effect in the situation, banks will implement credit rationing loan policy. The credit market appears the situation of non-balanced condition, which result in the low efficiency of the fund disposition in credit markets.The targets of both the signal transmission model and signal screening model are from the active angle to enable the enterprise to send the true information, namely the high venture enterprise send high risk type signal, and low venture enterprise send low risk type signal. The core of this paper is applying signal transmission model and signal screening model to credit market.Overseas researches concentrate on the reversion choice in credit market in the situation of law safeguard, and domestic researches unusually aim at the reversion choice effect of commercial bank in the current insufficient law safeguard situation in our country. This paper attempts to contribute mitigate strength to weak domain.This paper's main work concentrates on the application of signal transmission model and signal screening model to credit market in our country, and the designation of loan condition, the target of it is to make enterprises transmit real type, and result in separation equilibrium, so as to effectively reduce the harm of the reversion choice effect of our country's commercial bank.