审贷分离制度
审贷分离制度-
文章首先运用信息经济学理论，通过建立委托&代理模型，分析了由于代理人、委托人之间的信息不对称给委托人带来的代理成本，并对审贷分离制度产生的原因作出理论上的解释。
The paper first applies the theory of informational economics , through the establishment of principal-agency model , analyzing the agency cost caused by information asymmetry between the principals and the agent , presenting a theoretical explanation of the separation of credit and screening .