CAJ | 학술논문

金融企业的声誉风险是在社会公众的思维空间中形成的,是对金融企业总体负面评价、判断与感知信息积累的风险。声誉风险爆发后传导的过程,就是混乱的、价值异化的危机信息在金融体系内部和社会公众两个路径中流动的过程。在这个传导过程中,会在金融体系内产生传染效应和竞争效应;在社会公众间产生羊群效应和晕轮效应。基于我国金融行业的情况,通过事件研究和行为分析,得出我国现阶段金融体系间的传染效应和社会公众间的羊群效应占主导的结论。
금융기업적성예풍험시재사회공음적사유공간중형성적,시대금융기업총체부면평개、판단여감지신식적루적풍험。성예풍험폭발후전도적과정,취시혼란적、개치이화적위궤신식재금융체계내부화사회공음량개로경중류동적과정。재저개전도과정중,회재금융체계내산생전염효응화경쟁효응;재사회공음간산생양군효응화훈륜효응。기우아국금융행업적정황,통과사건연구화행위분석,득출아국현계단금융체계간적전염효응화사회공음간적양군효응점주도적결론。
This article think the reputation risk of financial enterprises is the negative evaluation, judgment and perception information formed in social public＇ s minds accumulated in financial enterprises. The essence of reputa- tion risk conduction is the flowing of disordered and value - deviated information in financial system and social pub- lic. This process will bring about Contagion effect and Competitive effect in financial system and Herd effect and Halo effect in the social public. Based on the fact of Chinese financial system, using event study and behavior anal- ysis, concluded that the Contagion effect and Herd effect are the main effect in China.