Loan quality, commercial loan review and loan officer contracting
Loan quality, commercial loan review and loan officer contracting
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贷款质量、商业贷款审查和信贷员签约
DOI：
10.1016/0378-4266(89)90048-4
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发表时间：
1989
期刊：
影响因子：
--
通讯作者：
Gregory F. Udell
中科院分区：
文献类型：
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作者：
Gregory F. Udell
到1980年代，大多数银行都设立了一个新的部门，即商业贷款审查部，其主要活动是系统地评估商业贷款组合中贷款的持续质量。传统观点认为，商业贷款审查的目的是作为发现信贷恶化的早期预警系统。本文提出的证据表明，商业贷款审查的真正目的，但是，是为了解决一个代理问题之间的银行及其商业贷款人员通过监测他们的个人贷款组合。这些结果的监管影响进行了讨论。
By the 1980s most banks had created a new department, commercial loan review, whose primary activity is to systematically assess the continuing quality of loans in the commercial loan portfolio. Conventional wisdom suggests that the purpose of commercial loan review is to serve as an early warning system for spotting credit deterioration. Evidence is presented in this paper that the true purpose of commercial loan review, however, is to address an agency problem between a bank and its commercial loan officers by monitoring their individual loan portfolios. The regulatory implications of these results are discussed.