Research on the Credit Collusion Prevention in Chinese Commercial Banks

被引：0

作者：

Zhou Yuping ^{[1
]}

Chen Zhongfei ^{[1
]}

机构：

[1] Wuhan Univ Technol, Sch Econ, Wuhan 430070, Peoples R China

来源：

PROCEEDINGS OF THE 7TH INTERNATIONAL CONFERENCE ON INNOVATION AND MANAGEMENT, VOLS I AND II | 2010年

关键词：

Collusion; P-S-A model; Bad loan ratio; Commercial bank;

D O I：

暂无

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

The credit collusion is the main form of internal fraud and will lead to the wrong decision on loan-issue and further worsen the operation risk as well as the default risk. At present, the loan initiated by commercial banks in China is surging and challenges the loan management. This paper adopts the P-S-A model to study the collusion between loan officers and lending firms. Finally, it derives the collusion-free conditions and proposes some measures to reduce the collusions, which includes imposing harsher penalty on bribes to deter any collusion for increasing individual welfare, launching more sophisticated remuneration for loan officers to develop long relationship with commercial banks and making more efforts on monitoring the larger sized loans.

引用

页码：732 / 736

页数：5

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