| dc.description.abstract | The study conducts an empirical analysis, which is taking totally 5552 primary data of A financial institutions, corporate finance department, year from 2013 to 2016. Each month is divided into two samples, a total of 48 samples, and uses T -tests: two sample average difference test, assuming that the number of variants are not equal and operating the left-tailed test. The extraction variables are the ＂performance rate＂, ＂ And “the number of incoming cases＂, “approval rate”, “the number of default cases”, and test the relationship between cause and effect and consequently the result can find out whether the manager has the behavior of risk pursuing. Therefore, this study assumes that if the performance rate in the first half of each month is lower than the target or the number of incoming cases below the average, the SMEs department managers will exert pressure on the credit grantors to improve the approval rate; if this happens in the long term, the credit Quality is bound to decline, the “cause” and “effect” of the reason for the poor quality of credit described as above is the hypothesis of this study.
The empirical result proves that the misbehaving of the A department manager can lead to the increase in the number of cases of credit defaults, even if the situation is not improved, it will result in the termination or re-organization of the credit unit. In the past bank practice, there are cases keeping happening, bank indeed need to be careful and cautious on this. | en_US |