论文部分内容阅读
本文从商业银行的财务管理制度入手建立模型,说明财务管理方式对银行的信贷资产质量有着重要的影响。当总行与分行的经营目标不统一,即目标函数不相同时,总行采用不一致的费用分配方式,会降低分行控制不良贷款的动力。
This article starts from the commercial bank’s financial management system to set up a model, which shows that the financial management has an important influence on the bank’s credit asset quality. When the operating objectives of the head office and branches are not uniform, that is, when the objective functions are not the same, the head office will adopt an inconsistent fee allocation method, which will reduce the motivation of the branches to control the non-performing loans.