期刊名称：INTERNATIONAL JOURNAL OF MANAGEMENT, ENTREPRENEURSHIP& TECHNOLOGY
印刷版ISSN：2162-157X
出版年度：2014
期号：1939
页码：8
出版社：DR.DANIEL LASHER
摘要：ABSTRACT For banks, lending in the transition countries has been both a controversial and a difficult matter. On the one hand, firms complain about the lack of credit and the excessively high standards set by banks. On the other hand, banks have suffered large losses on bad loans. Lending inherently requires that the lender “trust” the borrower to repay the loan at a later date. For the lender to be able to trust the borrower, the lender must have means of screening out incompetent and untrustworthy borrowers. However one chooses to put it, the bank’s character. By good and bad banks research mean expected return and risk. By good and bad character that mean the borrower’s honesty. This research reports the results of the investigation of how Commercial banks deal with these problems. It draws on the interviews conducted in Commercial Banks. Research found that Commercial Banks have trouble distinguishing well from bad in both banks and character. Research was partly due to intrinsic problems in Commercial Banks, and partly due to their own methods. The study found that the solutions adopted by banks often seemed inefficient from the perspective of a profit- maximizing bank. This study believe, reflects both incomplete learning by banks about the most effective way to make loans, and internal incentive problems that banks have not solved. Keywords: Lending; Controversial; incompetent; intrinsic problems; Profit-maximizing;
