The study based on the multi-task principal-agent theory of commercial bank credit asset ownership arrangement

摘要

In order to earn more interest, the commercial bank encourages customer manager to withdraw the loan principal and interest at the same time of the scale of credit expansion. In the stage of loans issued, the commercial bank manager usually rewards customer manager performance by the amount of incremental loan, little or even not by the withdrawal of the loans, which leads to the customs managers actively issuing incremental loans rather than the maintenance and upkeep of the stock of loans. If it goes on like this, the abnormal loans and the credit risk of commercial banks will increase. Starting with the multi-task principal-agent theory, this paper is the analysis of the reason for commercial bank's incentive policy to customer managers causes of defects, the solution to renovate the defects with the concerned theory basis and a theory for commercial bank to develop a reasonable incentive policy.