我国商业银行信用评估的行为决策框架与锚定效应分析

Analysis on Decision-making Framework and Anchoring Effect on Credit Assessment of Chinese Commercial Banks

根据前景理论,通过对信贷经理人的调查,对信用评价的决策框架和信用评价中的锚定效应特征进行了实证分析。调查表明,信贷决策并不完全决定于信用评估结果,最优信用评价决策与现实不一致;在信用评估中,信贷经理人能力比信用评估体系更为重要,信贷经理人的经验、专业能力和价值观对信用评估都将产生影响;信用评估中存在锚定效应,对借款人信用评价产生重要影响。

Based on the prospect theory,Focusing on the credit rating decision-making framework and the anchoring effects,the main results of empirical investigation are： The survey makes it clear that credit decisions are not entirely determined by the credit assessment;therefore optimal credit evaluation decision is inconsistent with the reality;The ability of account manager is more important than the credit evaluation system,the credit assessment greatly depends on the manager＇s experience,expertise and values;There exist anchoring effects in credit assessment.The anchoring effects play a major role in the credit rating of borrower.