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Reasons for risk control lagging in loaning from state-owned commercial banks(PDF)

《长安大学学报（社科版）》[ISSN:1671-6248/CN:61-1391/C]

Issue:
2007年02期
Page:
46-50
Research Field:
应用经济学研究
Publishing date:
2007-06-20

Info

Title:
Reasons for risk control lagging in loaning from state-owned commercial banks
Author(s):
YAO Guang-ning;  WU Hui-fan
1. School of Economics and Management, Northwest University, Xian 710069, Shaanxi, China; 2. Departwent of, Finance Guangdong Fince Institute, Guangzhou 510521, Guangdong, China
Keywords:
economics;  applied economics;  finance;  state-owned commercial banks;  game
PACS:
F830.33
DOI:
-
Abstract:
On the basis of agency-by-mandate theory, the paper sets utp a game model for a branch bank and analysizes the reasons for risk control lagging in loaning from the state-owned commercial banks. The research shows that the deficiency for the stimulating mechanism of grass-root agents, the lack of income system of the agents that way reveal the risks, the rigidness of the restricting mechanism and the uncertainty of the posifion of banks are the main reasons that may lead to the low spirit of risk control motivation of the grass-root agents in state-owned commericl banks.

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Memo

Memo:
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Last Update: 2007-06-20