DECISION MAKING IN AN ORGANIZATIONAL SETTING: COGNITIVE AND ORGANIZATIONAL INFLUENCES ON RISK ASSESSMENT IN COMMERCIAL LENDING
DECISION MAKING IN AN ORGANIZATIONAL SETTING: COGNITIVE AND ORGANIZATIONAL INFLUENCES ON RISK ASSESSMENT IN COMMERCIAL LENDING
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组织环境中的决策：商业贷款风险评估的认知和组织影响
DOI：
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发表时间：
1997
期刊：
影响因子：
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通讯作者：
P. Bromiley
中科院分区：
文献类型：
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作者：
G. McNamara;P. Bromiley
尽管管理研究人员希望了解与风险相关的管理决策，但几乎所有先前的风险研究都使用实验或汇总公司数据，而不是来自实际业务决策的数据。在对实际商业决策中的风险的初步研究中，我们检查了银行家分配给商业借款人的风险评估。我们测试了源自战略、财务和行为决策理论研究的假设，以评估组织和认知因素对风险评估错误可能性的影响。尽管我们发现组织因素和认知因素都会影响风险决策，但当两者都存在时，组织因素似乎会压倒认知偏差。已经有大量文献在个人（行为决策理论）、组织和公司（财务和战略管理）层面解释与风险相关的行为。这些文献揭示了很多
Although management researchers would like to understand management decisions related to risk, almost all previous research on risk has used either experiments or aggregate corporate data rather than data from actual business decisions. In this initial research on risk in actual business decisions, we examined the risk assessments bankers assigned to commercial borrowers. We tested hypotheses derived from research in strategy, finance, and behavioral decision theory in order to assess the influence of both organizational and cognitive factors on the likelihood of risk assessment errors. Although we found that both organizational and cognitive factors influenced risky decision making, when both were present, organizational factors appeared to overwhelm cognitive biases. Large literatures have developed to explain risk-related behaviors at the individual (behavioral decision theory), organizational, and corporate (finance and strategic management) levels. These literatures reveal a great deal