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The Control Against Moral Risk Of Commercial Bank

Posted on:2005-09-23Degree:MasterType:Thesis
Country:ChinaCandidate:J H LiFull Text:PDF
GTID:2156360125455464Subject:Ethics
Abstract/Summary:PDF Full Text Request
Since the human society and its morality come into being, the activities of human being have the probability to comply with moral principles and moral standard, or defy them. Moral risk is the possibility that the immoral action damage the interests of others, groups, or the whole society. Recent years, economy is encountering the crisis from the lack of morality. Such activities as companies on board make false reports about their profit, dealers deceive each other in transaction and so on are hobbling the health development of economy heavily. Especially in 2002, several famous incorporations were involved in making false financial reports. The scandals demonstrate the existence of moral risk in economy field.As an economic activity, the credit business of commercial bank also has moral risk. Such risk influence the running of credit business directly, and is a great threat to the capability of gaining profit, to the structure and security of capital, to the fame of bank, and to the controlling against other hazards. What more serious is that, such moral risk will take negative effect to the interest of whole society. We'll analysis the meaning, origin, and characteristics of the moral risk. And we'll try to find and take effective measures to control the moral risk in credit business of commercial bank from varieties of angles and fields.
Keywords/Search Tags:morality, risk, moral risk, credit business of commercial bank, control
PDF Full Text Request
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