摘要
随着经济增长速度的放缓,银行业不良贷款上升的风险加大。要解决我国商业银行不良贷款的问题,需要追问我国银行业不良资产的根本成因,以便真正从机制上控制商业银行新增不良贷款的形成和累积。本文通过问卷调研我国信贷从业人员在已贷款企业面临财务困境并申请进行二次贷款时的决策思考,获得影响其决策过程的因素及对决策的影响程度,发现内部领导支持、担保偏好、地方政府干预和责任等因素对不良贷款续扩的影响非常显著,而社会责任、客户关系、成长文化的影响相对较弱;并据此提出或可借鉴的政策建议。
With the economic growth slowing down,the risk of commercial banks' non-performing loans rises.To solve the problem,we need to dig into the causes of the bad assets so as to put a curb on their formation and accumulation.This paper makes a survey among the credit employees about their reflection and decision-making when they are dealing with the enterprises which have problem in finance and apply for a second loan.With the analysis of the factors and their intensity upon the decision-making,the thesis discovers that the following are more likely to result in the escalating commitment of non-performing loans as the support within the local leadership,preference for collateral loan and the interference by the local governments.Yet those like social responsibility,customer relationship and culture of development are less significant.It then puts forward policy suggestions.
出处
《上海金融》
CSSCI
北大核心
2012年第11期36-42,117,共7页
Shanghai Finance
基金
中国银行间市场交易商协会2011年度公开招标课题"银行间市场投资人的合理结构及监管核心原则"(编号KTZB1104)的成果
关键词
商业银行
不良贷款续扩
成因
自辨理论
前景理论
Commercial banks,Escalating Commitment of Non-performing Loans
Factors
Self-justification Theory
Prospect Theory
