信用悖论

信用悖论及其解决

Credit Paradox and Its Solution

信用悖论是银行业在其信用风险管理过程存在的较大问题：保持良好的客户关系与分散信用风险之间的矛盾。

Credit paradox is a major problem in the credit risk management of banking industry , i. e. the contradiction between maintaining long - term good relationship with the clients and decentralizing credit risks .

公司资本信用悖论

COMPANY COMPANY Paradox of Corporate Capital Credit

政府隐性保险政策与银行业风险承担行为&对国家信用悖论的理论解释

Government Implicit Insurance Policy and the Risk-taking Behavior of Banking : Theoretic Explanation for the Paradox of National Credit

契约信用与效率违约悖论：契约信用以契约双方必须遵守合同为首要条件，效率违约论则认为为了实现社会效益最大化，必要时可以违约，显然两者是矛盾的。

The primary rule of contract credit is that both sides of contract should comply with the contract , while efficiency default admits default in order to maximize social efficiency when necessary . Obviously , contract credit and efficiency default are contrary .

信用衍生产品是规避信用风险、解决信用悖论的有效工具。

The credit derivatives are the effective instruments to handle the credit paradox .

与传统的信用风险管理工具相比，信用违约互换产品具有能够解决信用悖论问题，增强资产的流动性等多方面的优势。

Compared with the conventional credit risk management tools , CDS has great advantage on solving the " Credit Dilemma " problem , enhancing the liquidity of assets and so on .