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文章在前人的基础上,对信息不对称条件下的信贷配给问题进行了综合分析,结果表明逆向选择和逆向激励是造成信贷配给的主要原因。
On the basis of the predecessors, the article makes a comprehensive analysis of the credit rationing under the condition of asymmetric information. The results show that adverse selection and reverse incentive are the main reasons for the credit rationing.