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双重竞争约束下中国商业银行风险承担行为研究 被引量:5
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作者 应展宇 张夏晗 《当代经济科学》 CSSCI 北大核心 2020年第4期54-67,共14页
基于跨业竞争与同业竞争并存的现实背景,分析了双重竞争影响中国商业银行风险承担行为的理论机理。研究结果表明:双重竞争使得银行自我逐利,放大期限错配程度,加剧主动风险承担行为,造成风险资产占比提高;双重竞争导致银行在政府干预下... 基于跨业竞争与同业竞争并存的现实背景,分析了双重竞争影响中国商业银行风险承担行为的理论机理。研究结果表明:双重竞争使得银行自我逐利,放大期限错配程度,加剧主动风险承担行为,造成风险资产占比提高;双重竞争导致银行在政府干预下强化被动风险承担行为,但获得政府的隐性担保与显性风险补偿,引起不良贷款率下降;双重竞争会放大银行总体的风险水平。进一步研究表明:由于银行微观特征的差异,双重竞争对银行的风险承担产生异质性效应;宏观金融环境因素的不同,也会导致银行风险承担表现出不同的结果。因此,为了降低银行风险,应加强对银行的动态监管,发展债券市场,利用金融科技优化银行风险管理流程。 展开更多
关键词 银行 跨业竞争 竞争 风险承担 期限错配 隐性担保
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Innovation for Multinational Corporations
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作者 Yezdi H. Godiwalla 《Journal of Modern Accounting and Auditing》 2015年第7期373-382,共10页
Growth, innovation, and strategic focus are vital for long-term success of multinational corporations (MNCs). MNCs must create the organizational culture and process for increased competitiveness to sustain better m... Growth, innovation, and strategic focus are vital for long-term success of multinational corporations (MNCs). MNCs must create the organizational culture and process for increased competitiveness to sustain better market shares and profits. Towards this end, MNCs should develop a comprehensive innovation strategy. Innovation is a way of life and the spirit of innovation, like the spirit of entrepreneurship, must be sustained. The goal should be continuous growth with competitiveness. And towards this purpose, organizations must innovate. The article draws from innovation concepts as they would lead to organizational growth and competitiveness. MNC international structure, culture, and leadership style have an influence on the innovation culture and creativity process in the MNC organization. The article sets forth a model for MNC decision-making structure and organizational culture for facilitating the innovative fervor and capability to be more favorable to the MNC. The models presented here are meaningful in the quest for greater MNC innovativeness and creativity. 展开更多
关键词 innovation in MNCs innovation for MNC growth innovation for MNC competitiveness
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