摘要
沉没成本效应指的是决策者当前受到沉没成本(金钱、时间或精力)的影响而做出非理性决策的现象。在银行业发展中,可能存在的沉没成本是不良贷款的存在和创新业务发展的停滞不前。对于银行不良贷款,利用"互联网+"技术做好全面信用评估,完善风险监管机制,及时止损;对于银行业创新转型,为转型做好充分的准备,发展金融科技,加大转型成功率,减少沉没成本产生的可能性,从而降低产生沉没成本效应的风险。
Sunk cost effect refers to the phenomenon that decision makers are currently affected by sunk costs(money,time or energy)and make irrational decisions.In the development of the banking industry,the possible sunk costs are the existence of non-performing loans and the stagnant development of innovative businesses.For bank non-performing loans,use"internet+"technology to do a comprehensive credit assessment,improve risk supervision mechanisms,and stop losses in a timely manner;for the innovative transformation of the banking industry,make full preparations for transformation,develop financial technology,increase the success rate of transformation,and reduce The possibility of sunk costs,thereby reducing the risk of sunk cost effects.
作者
徐冬婷
Xu Dongting(Nanjing University of Finance&Economics,Nanjing,Jiangsu,210023)
出处
《市场周刊》
2021年第1期139-141,共3页
Market Weekly
基金
教育部“产学合作协同育人项目”(项目编号:201901168003)。
关键词
沉本效应
银行
不良贷款
创新转型
cost-saving effect
banks
non-performing loans
innovation and transformation
