银行家人力资本产权残缺与不良资产关系的实证分析  

A positive Analysis of The Relation of Incomplete Property Right of Banker's Human Capital And Non-performing Assets

作　　者：李春艳[1] 

机构地区：[1]东北师范大学商学院

出　　处：《经济管理》2005年第18期64-69,共6页Business and Management Journal ( BMJ )

摘　　要：由于我国国有银行体制改革滞后,我国的银行家人力资本产权残缺,表现在缺乏初始契约和人力资本定价偏低。这样,在经营过程中,必须以满足银行目标最大化为前提,通过模型分析和实证分析,人们发现银行家滥用职权的行为不容易受到约束,结果导致不良贷款大量发生,因此完善银行家人力资本产权就成为历史的必然,据此本文提出一些建议。The property right of banker＇s manpower capital is incomplete, which makes it main goal to satisfy the bank goal of dealing in to maximum. In this case, we find the fact that the behavior of a banker＇s abusing his power is difficult to restrain through the analysis of the model and the real examples, and it leads to the fact that non-performing loan takes place in a large amount .Therefore it becomes the necessity of history that we must perfect the property right of banker＇s manpower capital.

关 键 词：人力资本 产权残缺 不良贷款 

分 类 号：F832[经济管理—金融学]