基于行为金融视角看商业银行不良贷款的形成  

The Formation of Non-Performing-Loans in Commercial Banks Based on Behavioral Finance

作　　者：程广华[1] 

机构地区：[1]上海财经大学,上海200083

出　　处：《江苏工程职业技术学院学报》2017年第1期90-93,97,共5页Journal of Jiangsu College of Engineering and Technology

摘　　要：行为金融理论认为,人在不确定条件下的决策过程会受到框定效应、认知失调、过度自信等信念影响,出现系统性认知偏差。商业银行通过向企业发放贷款获取收益的过程是一种投资行为。在贷款审批决策过程中,也存在认知偏差、过度自信等现象,加上同业中存在的羊群效应,会导致经营管理中的决策偏差,最终导致不良贷款的产生。Behavioral finance theory holds that people s decision-making process under uncertainty will be affected by framing effects,cognitive dissonance,overconfidence and so on.Commercial banks obtain interests through issuing loans to corporates,representing an investment behavior.In the credit approval process,the banks＇ cognitive bias and overconfidence,coupled with the herd effect in the industry,will lead to bias in decision making and management,and ultimately lead to bad loans.

关 键 词：商业银行 行为金融 不良贷款 框定效应 羊群效应 

分 类 号：F832.4[经济管理—金融学]