Credit risk evaluation methods are hot topics in financial research field. Under the framework of information economics and taking econometrics as research tool, this paper deeply investigates the factors causing credit risk in domestic banks.

• 信用风险评估方法研究是国内外金融理论研究的热点,本文以信息经济学原理为指导,以计量经济学为主要手段,针对国内银行信用风险管理中存在诸多问题及风险量化研究的严重不足,结合国内经济实际,深入研究了导致国内银行信用风险产生的若干因素。