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中文摘要：
银保协作信贷模式有利于缓解银保之间的信息不对称，提升金融市场资金配置效率。本文基于银保协作模式，分析了金融市场的逆向选择，揭示了逆向选择与商业银行客观信用风险形成的内在机理，在此基础上，从逆向选择治理视角设计了商业银行客观信用风险的控制策略。研究发现，逆向选择行为的发生是商业银行客观信用风险形成的根本原因，建立足额的资产抵押或质押机制，可以有效抑制逆向选择，实现商业银行客观信用风险的控制目标。
英文摘要：
Cooperation system between bank and guarantee helps in solving the asymetric information between bank and guaran- tee, and it brings benefit to enhance capital allocation efficiency of financial market.This paper analysizes adverse selection problem of financial market, and reveals the mechanism to adverse selection and formation of objective credit risk of commer- cial bank. It designs control strategy of objective credit risk of commercial bank.We believe that enterprises＇ adverse selection behavior leads to formation of objective credit risk of commercial bank, and establishment of full amount of assets warrant or pledge mechanism may inhibit adverse selection, and benefits commercial bank to fufil the control goal of objective credit risk.
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