田跃勇

• 1:清华大学经济管理学院

摘要(Abstract)：

本文借助一家城市商业银行的分行绩效考核办法,利用贷款层面的微观数据,研究绩效奖励对信贷决策的影响。发现享受更高绩效奖励的分行,会对单笔贷款申请提供更高的金额、更长的期限,而且贷后违约率更低,尤其是期限较短的贷款。进一步的分析发现,享受更高绩效奖励的分行发放的贷款利率更能准确预测贷后违约率,说明提高绩效奖励促进了分行员工更有效的信息收集。本文还发现,银行为企业提供以新还旧,主要是给予资信良好的企业持续的信贷支持,而非掩盖坏账,且以新还旧的做法不会影响本文的结论。

关键词(KeyWords)： 绩效考核;信息不对称;信贷决策;以新还旧;银行

Abstract:

Keywords:

基金项目(Foundation):

作者(Author): 田跃勇

DOI: 10.16513/j.cnki.cje.2018.02.008

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• (1)经济增加值=税后净利润-资本×资本成本率。