CAJ | 학술논문

在我国商业银行的信贷决策中，普遍存在着“信息困境”：信贷决策所依赖的信息有着“硬信息软化”的特征、信贷决策流程中普遍存在着信息的“私有化”、为信贷决策所收集信息的使用效率不足。怎么克服上述“信息困境”以提高信贷决策的质量和效率，是银行面临的现实问题。本文指出，一个高质量的内部信用评级机制能够成为向信贷业务人员转移信贷决策权的中介，进而激励信贷业务人员做好信息工作。本文提供了一个分析框架以指导信贷决策者审慎地根据内部信用评级的质量来给予信贷业务人员适当的决策权重，在规避过度授权引致的风险的同时，最大限度地发挥授权的激励作用。在这个过程中，“信息困境”被有效克服，信贷决策权配置得到优化。本文对银行的信贷决策实践和内部信用评级机制的建设有着一定的指导作用。
재아국상업은행적신대결책중，보편존재착“신식곤경”：신대결책소의뢰적신식유착“경신식연화”적특정、신대결책류정중보편존재착신식적“사유화”、위신대결책소수집신식적사용효솔불족。즘요극복상술“신식곤경”이제고신대결책적질량화효솔，시은행면림적현실문제。본문지출，일개고질량적내부신용평급궤제능구성위향신대업무인원전이신대결책권적중개，진이격려신대업무인원주호신식공작。본문제공료일개분석광가이지도신대결책자심신지근거내부신용평급적질량래급여신대업무인원괄당적결책권중，재규피과도수권인치적풍험적동시，최대한도지발휘수권적격려작용。재저개과정중，“신식곤경”피유효극복，신대결책권배치득도우화。본문대은행적신대결책실천화내부신용평급궤제적건설유착일정적지도작용。
In the loan decision of commercial banks in China, there is widespread ＂information dilemma＂. How to overcome the dilemma in order to improve the quality and the efficiency of loan decision is a practical problem faced by commercial banks. The paper provides an analytical framework to guide loan decision-makers to cautiously give the proper decision weights to the credit officers according to the quality of internal credit rating,in the circumvention of the risks of excessive authority, while maximizing the incentives authorized. In this process, the dilemma could be effectively got over while the allocation of credit decision-making power can be optimized. This paper has a certain guiding function for the practice of loan decision and the internal credit rating mechanism.