| 商业银行信贷管理体制和考核机制对信贷行为的影响 |
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| 引用本文： | 冯安明,冯梦云.商业银行信贷管理体制和考核机制对信贷行为的影响[J].上海金融,2011(8). |
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| 作者姓名： | 冯安明 冯梦云 |
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| 作者单位： | 1. 华中科技大学经济学院,湖北武汉,430074
2. 天津大学,天津,300072 |
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| 摘 要： | 信贷管理体制和考核机制是金融改革进程中值得高度重视的问题。基于行为金融学分析,我国现行信贷管理体制和考核机制存在着潜在风险。应改革现行的信贷组织结构,建立起专业化、技术型和不受行政影响的较独立的信贷管理体制,进一步健全信贷管理约束和激励机制,并引导银行积极践行社会责任。
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| 关 键 词： | 信贷管理体制 考核机制 行为金融 商业银行 |
On the Influence of Commercial Bank's Credit Management System and Assessment Mechanism on Credit Behavior |
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| Feng Anming/Feng Mengyun.On the Influence of Commercial Bank's Credit Management System and Assessment Mechanism on Credit Behavior[J].Shanghai Finance,2011(8). |
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| Authors: | Feng Anming/Feng Mengyun |
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| Institution: | Feng Anming/Feng Mengyun |
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| Abstract: | Credit management system and assessment mechanism deserve high attention during the process of financial reform.Based on the analysis of behavioral finance,we can find that there're potential risks in China's current credit management system and assessment mechanism.We should reform current credit organization,establish specialized,technology-based and independent credit management system,further improve credit management constraint and incentive mechanism,and guide banks to actively fulfill their social re... |
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| Keywords: | Credit Management System Assessment Mechanism Behavioral Finance Commercial Bank |
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