Research On Credit Account Managers’ Behavior Of China State-owned Commercial Banks

Based on our current investment and financing system, state-owned commercial bank’scredit businesses play a crucial role for the country’s economic development and their ownsurvival and development.The important role of state-owned commercial bank credit forself-evident social and economic development, while the state-owned commercial bank creditis continuing core business development. Therefore, the credit operations of state-ownedcommercial banks has been widespread concern, especially in the credit markets led tounsatisfactory manifestations lot of controversy. However, the state-owned commercial banks,credit performance, in the final analysis, after all, is to choose the subject of credit behavior,human factors can not be ignored. Therefore, this article will focus on credit analysisperspective client manager behavior, direct marketing and the responsibility of people whocredit the customer service manager acts as a credit not only influenced by the choice of thecredit system, the banking culture and other macro factors, but also by their own behaviorinterests behavior and the impact of cost factors, such as individual psychological disturbance,through the choice of credit account manager behavior analysis helps explain the currentstate-owned commercial banks in the various manifestations of the credit operations.In thispaper," stampede trail model" as a starting point, combining with the prospect theory and thepath dependence theory as an analysis framework, trying to depict the common basis of thecredit account manager behavior-the behavior of path dependence, and as a theoreticalblueprint for the credit business combination case studies, specific performance summed upthe main credit behavior: preference discrimination on firm size, credit herd behavior, therelationship of credit behavior,chip behavior about credit.Finally, based on the adverse effectsof the credit path-dependent behavior of credit account manager, and the thinking of pathinnovation，made the following recommendations：Strengthening credit business training,attention and regulate credit relational technology, balance the rights and responsibilities ofcredit, reform the appraisal system.