中国金融学术研究网
CHINA FINANCIAL RESEARCH NETWORK

银行和金融机构--银行和金融机构
工作论文
2011-08-18 第4卷 第3期

编: 麻省理工学院斯隆管理学院金融学讲席教授,清华大学经管学院特聘教授。

执行主编: 杨之曙清华大学经济管理学院金融学副教授。


本期目录

Research on the Credit Collusion-proof in Chinese Commercial Banks

Zhongfei Chen Wuhan University of TechnologySchool of Economics

转型期中国金融发展的生产率效应(博士生论坛征文)

闫海洲 上海社会科学院部门经济研究所

Theoretical Study on Bank’s Behavior in Mortgage Loan to Real Estate Construction in Progress

Zhu Xiang-cheng East China Normal UniversitySchool of Business
Ye De-Lei East China Normal UniversitySchool of Business

晋升压力、官员任期与城市商业银行的贷款行为(博士生论坛征文)

钱先航 南开大学公司治理研究中心
曹廷求 山东大学经济学院金融系
李维安 南开大学公司治理研究中心

Does Informal Finance Help Formal Finance? Evidence from Third Party Loan Guarantees in China

Chenyu SHAN The University of Hong KongSchool of Economics and Finance


论文摘要

Research on the Credit Collusion-proof in Chinese Commercial Banks

Zhongfei Chen Wuhan University of TechnologySchool of Economics

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. Based on the literature and the situation of risk management in Chinese banking industry, 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: (1) to impose harsher penalty on bribes to deter any collusion for increasing individual welfare; (2) to launch more sophisticated remuneration for loan officers to develop long relationship with commercial banks; (3) to spend more efforts on monitoring the larger sized loans.

转型期中国金融发展的生产率效应(博士生论坛征文)

闫海洲 上海社会科学院部门经济研究所

基于金融系统论之上,本文提出了考察金融发展的三个纬度,在金融发展与内生经济增长的理论背景下,对转型期中国金融发展的生产率效率进行了实证检验。研究结果表明,转型期中国金融发展规模的生产率效应为负,金融结构的生产效率效应为正,金融效率的生产率效应为正;随着经济发展水平的变化,金