摘要
由于商业银行经营管理过程中存在多层次的委托代理关系,必然导致道德风险问题的产生。我国商业银行贷款业务中的道德风险行为,已经严重影响我国商业银行的稳定可持续发展。本文通过对影响道德风险行为因素的分析,针对我国商业银行贷款业务中道德风险问题现状、层次及表现形式,提出了明晰产权、强化内部控制、加强外部监管、加大惩罚力度、塑造企业诚信文化等对策,从内外部、制度和人、道德风险的各层次等方面来防范道德风险。
There are many layers of agent relationships of China commercial bank management; as a result, there is moral risk certainly. The moral hazard behaviors in loan business of have already restricted the stable development of Chinese commercial bank seriously. Through the analysis of the influencing sector of the moral hazard behaviors, the paper aims at analyzing the actuality layers and showing form of the moral hazard behaviors in loan business of Chinese commercial bank, puts forward the countermeasure about clearing property right, enhancing interior control, strengthening exterior Supervision, increasing the power of punishment, building the credit culture of corporate to prevent moral hazard from interior and exterior, system and human, the layers of moral hazard.
出处
《辽宁大学学报（哲学社会科学版）》
北大核心
2006年第4期112-115,共4页
Journal of Liaoning University(Philosophy and Social Sciences Edition)
关键词
商业银行
贷款业务
道德风险
防范
commercial bank
loan business
moral hazard
prevention
