中文摘要：

本文手工搜集企业的单笔银行借款利率、期限、金额信息,从市场的角度研究信息不对称对银行借款契约的影响,并进一步从信息供给方和需求方两个角度,分析这种影响在不同特征的公司和银行间是否有差异。研究发现,分析师预测准确度（离散度）与借款利率负（正）相关,与借款期限、借款金额正（负）相关;银行性质、公司上市年限会对分析师预测与银行借款契约之间的关系产生影响。本文从市场感知的角度证明了信息不对称对银行借款契约的重要意义,丰富了分析师预测经济后果的研究。

英文摘要：

This paper use enterprises＇ every single bank loan rate, term and amount to tests the influence of perception of mar- ket information asymmetry on bank loan contract. The result shows that analysts forecast accuracy （dispersion） negatively （posi- tively） correlated with interest rate, positively （negatively） correlated with loan term and amount. Further study finds that the nature of banks and the listing time of company has an impact on the relationship between analysts forecast and bank loan con- tract. This paper from the perspective of market to prove the significance of information asymmetry on bank loan contract and enriches the research of economic consequences of analyst forecast.