Research on the Credit Collusion Prevention in Chinese Commercial Banks
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.
Zhou Yuping Chen Zhongfei
School of Economics,Wuhan University of Technology,Wuhan,P.R.China,430070
国际会议
The 7th International Conference on Innovation and Management(第七届创新与管理国际会议 ICIM 2010)
武汉
英文
732-736
2010-12-04（万方平台首次上网日期，不代表论文的发表时间）