TEI 發問時間: 社會與文化語言 · 1 0 年前

銀行貸款專員的代理人問題(英文題)

請問下列英文文章的中文意思為何?

We show that when an officer has overseen a firm for several years and bears

some responsibility for its repayment prospects, downgrading the firm has a

negative effect on her career: Downgrading a firm during the third year of a

relationship results in a 15% decline in the number of firms under the officer’s

management. In contrast, downgrades at the beginning of a relationship do

not affect an officer’s career, implying that newly assigned loan officers have no reputation incentives to withhold bad news. We show further that having

bad news exposed by a successor has an effect on assets under management

that is two to four times larger than when the incumbent loan officer reveals

bad news herself before rotation. Consistent with career concerns, our results

are stronger among younger loan officers and among officers who have played

a significant active monitoring role through loan origination.

※officer 指銀行信貸專員

※文中大意,在講現任者與繼任者監督借款人的誘因

2 個解答

評分
  • 1 0 年前
    最佳解答

    當一個銀行信貸專員負責監督一個公司很多年,對這家公司的預期還款狀況會負些責任,若這家公司的信評等級被降等,對信貸專員的事業是有負面的影響。在第三年關係時公司被降等的話,信貸專員所負責公司的數目將會減少百分之15。相反的,在一開始的合作關話就被降等的話,不會影響信貸專員的事業,意思是新指派的信貸專員沒有維護名譽的動機而隱瞞壞消息。更進一步說明就是,若接任者將壞消息揭露,將會影響管理下的資產,比現任者在輪調前自行揭露的影響大2到4倍以上。就與事業利害關係一樣,在借貸開始期間,那些年輕信貸專員和那些扮演重要的主動監督角色的信貸專員,我們的結果也比較大。

  • 5 年前

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