2000•The Study of Finance and EconomicsRequires access
The Theoretical Analysis of Loan Information Registration System and Commitment Loan System
Kong Liuiu
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Abstract
This paper discusses the limited roles of Commitment Loan System in eliminating loan risks for it is incapable of resolving information frictions between banks and enterprises and among banks,and demonstrates that Loan Information Registraton System not only has positive effect on controlling loan risks,but also improves the efficiency of the whole loan markets.Understanding the potential changes in bank's loaning behavior is the key to bring Loan Information Registration System into play.