面对信息不对称的成功经验?-台湾的现金卡

Shih-Chi Shen, Wu Chang, Yi-Yu Shih, Chih-Hsiung Chang
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引用次数: 0

摘要

随着20世纪90年代新银行的开放,导致国内银行家数量过多,规模过小,导致金融资产质量下降,最终导致国内现金卡市场在信息不对称下的逆向选择和道德风险,引发卡债危机和严重的社会问题。本文考察了主管部门介入后信息不对称现象是否得到改善。研究结果凸显了主管部门在金融机构管理中的重要地位,最终使得信息不对称得到改善。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Successful Experience on Facing Information Asymmetry?—Cash Cards in Taiwan
With the opening of the establishment of new banks in the 1990s, it led to an excessive number of domestic bankers and an excessively small scale, which caused a decline in the quality of financial assets and eventually resulted in adverse selection and moral hazard under information asymmetry in the domestic cash card market, triggering a card debt crisis and serious social problems. This article examined whether the phenomenon of information asymmetry was improved after the competent authority intervened. The results highlighted the important position of the competent authority in financial institution management and made information asymmetry improved eventually.
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