韩国金融危机中银行特许权价值降低的实证分析

Empirical Analysis on Bank Franchise Values Reducing in Korea's Economic Crisis

银行特许权价值和银行许可证使得银行更有激励去监督其所提供贷款的公司,更有激励进行贷款组合的风险管理,从而直接保证经营者不采用道德风险的行为,因此它对于银行稳健经营是非常有利的。通过对韩国经济危机中银行特许权价值进行实证分析,能够看出金融全球化和金融自由化带来的特许权价值降低和金融风险增大倾向。

Bank franchise values and bank license can motivate bank to supervise corporations loaned from it so as to refrain manager from risky actions. Through the empirical analysis on bank FV in Korea＇s economy crisis we can see the tendency that FC is reducing and finance risk is increasing.