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论信息不对称与企业道德风险的防范
摘 要
在当今这个信息大爆炸的年代，信息作为一种经济资源，其作用开始变得日益重要，信息不对称正是由于各个经济主体所拥有信息的不同而产生的。信息不对称的现象广泛存在于经济社会的各个方面，而根据信息不对称产生的时间不同能够造成两个结果，一个是逆向选择，另一个是道德风险。本文主要研究如何防范信息不对称条件下的道德风险。
今年来随着我国市场经济的不断发展，各种道德风险问题随之而来，例如：国美战争等等。在道德风险的作用下，人们往往会利用自己拥有的信息增进自身效用的同时损害其他人的利益，这就严重影响的实施的公平性和持续性，从而导致市场的失灵，降低市场分配效率。因此，研究如何防范道德风险就显得十分重要。抑制道德风险的方法主要有：建立委托-代理的激励机制，建立信息传递和共享途径健全法律法规，加大违规惩处和执行力度，建立以人文本的管理理念，创造良好的工作环境，建立有效的监督机制，对监管者实行问责制，进一步强化道德调控等。
关 键 词：信息不对称，道德风险，防范，委托代理理论，激励
THE INFORMATION ASYMMETRY AND ENTERPRISE MORAL HAZARD PREVENTION
ABSTRACT
In the modern era, the big bang of information as a kind of economic resources information, its function to become increasingly important, information asymmetry formally with different information to produce. Information asymmetry phenomenon widely exists in every aspect of the economy and society, and according to the information asymmetry produce different time can cause two results, one is adverse selection, the other is a moral hazard. This paper mainly studies how to prevent under asymmetric information of moral hazard.
Under the action of the moral risk, people often will use its own information to gain some benefit, this is seriously affecting the implementation of fairness and persistent, leading to the market failure of market allocation efficiency, reduce. Therefore, the study of moral hazard prevention becomes very important. Inhibit moral hazard methods include executive timely and transparent information disclosure system; Improve their self-owned capital adequacy ratio; Adhere to strict market exit rate; Perfect legal laws and regulations, and increase penalties for violations; To strengthen the supervision of regulators, again, regulators implement the accountability system .
KEY WORDS：information asymmetry, Moral risk, Guard, the principal-agent theory, incentive
目 录
前 言 1
第1章 信息不对称与道德风险 2
信息不对称 2
信息不对称理论的作用 2
信息不对称的市场 3
信息不对称的影响 3