【作者】 李鹏；

【Author】 Peng Li Zhenghzhou Institute of Aeronautical Industry Management,Zhenghzou 450015,China

【机构】 郑州航空工业管理学院；

【摘要】 近年来,声誉风险越来越受到商业银行的关注。然而,声誉风险的预警困难是当前困扰商业银行风险管理的难题之一。基于AHP和Harris-Fombrun声誉指数模型,本文构建了商业银行声誉风险预警模型,研究表明社会责任、产品和服务、情感诉求以及财务状况是商业银行预警模型中的关键指标,而商业银行的社会责任履行情况更是影响商业银行声誉的最重要因素。利用预警模型商业银行可以在不同时期依据得分高低进行排序从而确定声誉风险状态,显然,得分越来越低说明声誉风险在不断恶化且爆发的可能性增强。更多还原

【Abstract】 In recent years,reputation risk has aroused more and more attention for commercial bank.But the early-warning model of reputation risk is still a difficult problem. Base on AHP and Harris-Fombrun model,the paper build an early-warning model of reputation risk for commercial bank,in which social responsibility is the most important factor.The commercial bank could use the early-warning system to evaluate a reputation risk effectively by judging from the decrease of the score in observation period.Obviously,the lower the score,the more possible reputation risk occurs.更多还原