摘要
道德风险问题是我国金融业普遍存在的问题,许多金融案件的发生无不与金融从业人员的职业道德水平有关。而目前金融系统实行的多层级委托代理经营管理模式存在制度缺陷和道德风险隐患。本文通过建立三方两阶段的博弈模型,对我国金融业中多层级委托-代理存在的道德风险给出实证分析,提出具有实践意义的建议。
Moral hazard problem is a common problem existing in China＇s financial industry, Many financial crimes are caused by low morality level in staff. Multi-tier principal-agent management mode operating in financial system has deficiency and potential moral hazard. This paper builds a game model based on multi-tier principal-agent relations, and puts forward some feasible suggestions to warn against internal financial moral hazard.
出处
《上海金融》
CSSCI
北大核心
2008年第1期53-56,共4页
Shanghai Finance
关键词
金融机构
委托代理
道德风险
博弈模型
Financial Institution
Principal-Agent
Moral Hazard
Game Model
