1/ Rủi ro đạo đức trong hoạt động c

1/ Rủi ro đạo đức trong hoạt động cho vay của Ocean Bank
Ngân hàng là ngành kinh doanh đặc biệt, nhạy cảm, gắn chặt với tiền, và luôn đối mặt với nhiều rủi ro. Trong các vấn đề rủi ro, dường như rủi ro đạo đức đang là nguy cơ ngày càng lớn đối với ngân hàng. theo nhà kinh tế học Paul Krugman, rủi ro đạo đức được hiểu là “trường hợp khi một bên đưa ra các quyết định liên quan tới mức độ chấp nhận rủi ro, trong khi bên kia phải chịu tổn thất nếu các quyết định đó thất bại” (Paul, 2009)
Trong hoạt động kinh doanh ngân hàng, rủi ro đạo đức nảy sinh từ chính hoạt động kinh doanh của ngân hàng và khách hàng sử dụng vốn của Ocean Bank. Hậu quả của rủi ro đạo đức do người gửi tiền vào ngân hàng và Ocean Bank gánh chịu.
Khi nhắc tới rủi ro đạo đức trong Ocean Bank, tín dụng là bộ phận hay được nhắc tới nhất. Đây là những cán bộ trực tiếp làm việc với khách hàng, thẩm định hồ sơ, ra phán quyết tín dụng. Điều này có thể chứng minh khi những thông tin khởi tố các cán bộ quản lý, cán bộ tín dụng các ngân hàng liên tục trên các mặt báo vì những hành vi sai phạm của mình. Các hành vi phổ biến như thiếu trách nhiệm trong thẩm định, cấu kết với khách hàng, ăn chia hoa hồng trên số tiền vay được, liên kết với nhau để vay mượn lòng vòng, thậm chí là vay ké của khách hàng…
Ví dụ: Ngày 14/7/2014, Cơ quan cảnh sát điều tra thuộc Bộ Công an đã bắt quả tang Đỗ Ngọc Sơn, SN 1987, cán bộ tín dụng của Ocean Bạnk, có hành vi lợi dụng ảnh hưởng của mình để trục lợi 200 triệu đồng từ một doanh nghiệp đang vay vốn tại ngân hàng này. (http://baophapluat.vn/thi-truong/ocean-bank-len-tieng-vu-nhan-vien-nhan-hoi-lo-190538.html)

Kết quả (Anh) 1:

1/the ethics risk in lending operations of Ocean Bank The Bank's business sector in particular, sensitive, tied to money, and always face many risks. in the matter of risk, risks seem to of ethics are increasingly large risk for the Bank. According to economist Paul Krugman, ethical risks are understood as "case when a party given in the decision relating to the degree of risk-taking, while the other party to incur losses if the decisions that failed" (Paul, 2009) In the banking business, ethical risks arising from the business activities of the Bank and the client use of Ocean Bank. The consequences of ethical risks due to depositors in banks and Ocean Bank suffer. When referring to the moral risk in the Ocean Bank, credit is the Department or are for. These are the officers work directly with clients, appraising records, ruling out credit. This can prove when the prosecution information managers, credit officers of banks continuously on the alert because of the violation. Popular acts such as lack of responsibility in the evaluation, the structure with the customer, to eat split commissions on the loan amount is, linked to borrowing in circles, even pulling the customer's loan.For example, on 14/7/2014, the investigating police agency under the Ministry of public security has caught do Ngoc son, SN 1987, credit officer of Ocean Bạnk acts, taking advantage of his influence to benefit the axis 200 million from a business are loans at the Bank. (http://baophapluat.vn/thi-truong/ocean-bank-len-tieng-vu-nhan-vien-nhan-hoi-lo-190538.html)

Kết quả (Anh) 2:

1 / ethical risks in lending activities of Ocean Bank
Bank business is special, sensitive, tied to money, and always face many risks. In matters of risk, moral hazard seems that the risk is greater for banks. according to economist Paul Krugman, moral hazard is understood as "the case when one party to make decisions relating to the acceptable level of risk, while the other party suffer losses if those decisions failure "(Paul, 2009)
In the banking business, the moral hazard arising from the business activities of the bank and the customer's use of capital Ocean bank. The consequences of moral hazard by depositors in banks and Ocean Bank suffered.
When it comes to moral hazard in the Ocean Bank, credit is part or most mentioned. These are officials who directly work with clients, evaluation of dossiers, credit judgment. This can prove the information to prosecute the managers, credit officers continually banks on the report because of his misconduct.
The common behavior as irresponsible in the evaluation and colluding with customers, sharing commission on the loan amount, linked to borrow around, even borrowing the customer's design ... Example : On 14/07/2014, investigation police Agency under the Ministry of Public security has caught Do Ngoc Son, born in 1987, credit officer of Ocean Bank, can abuse their influence to profiteering 200 million from an existing business in the bank loan. (http://baophapluat.vn/thi-truong/ocean-bank-len-tieng-vu-nhan-vien-nhan-hoi-lo-190538.html) credit judgment. This can prove the information to prosecute the managers, credit officers continually banks on the report because of his misconduct. The common behavior as irresponsible in the evaluation and colluding with customers, sharing commission on the loan amount, linked to borrow around, even borrowing the customer's design ... Example : On 14/07/2014, investigation police Agency under the Ministry of Public security has caught Do Ngoc Son, born in 1987, credit officer of Ocean Bank, can abuse their influence to profiteering 200 million from an existing business in the bank loan. (http://baophapluat.vn/thi-truong/ocean-bank-len-tieng-vu-nhan-vien-nhan-hoi-lo-190538.html) credit judgment. This can prove the information to prosecute the managers, credit officers continually banks on the report because of his misconduct. The common behavior as irresponsible in the evaluation and colluding with customers, sharing commission on the loan amount, linked to borrow around, even borrowing the customer's design ... Example : On 14/07/2014, investigation police Agency under the Ministry of Public security has caught Do Ngoc Son, born in 1987, credit officer of Ocean Bank, can abuse their influence to profiteering 200 million from an existing business in the bank loan. (http://baophapluat.vn/thi-truong/ocean-bank-len-tieng-vu-nhan-vien-nhan-hoi-lo-190538.html) credit officers of banks constantly on the report because of his misconduct. The common behavior as irresponsible in the evaluation and colluding with customers, sharing commission on the loan amount, linked to borrow around, even borrowing the customer's design ... Example : On 14/07/2014, investigation police Agency under the Ministry of Public security has caught Do Ngoc Son, born in 1987, credit officer of Ocean Bank, can abuse their influence to profiteering 200 million from an existing business in the bank loan. (http://baophapluat.vn/thi-truong/ocean-bank-len-tieng-vu-nhan-vien-nhan-hoi-lo-190538.html) credit officers of banks constantly on the report because of his misconduct. The common behavior as irresponsible in the evaluation and colluding with customers, sharing commission on the loan amount, linked to borrow around, even borrowing the customer's design ... Example : On 14/07/2014, investigation police Agency under the Ministry of Public security has caught Do Ngoc Son, born in 1987, credit officer of Ocean Bank, can abuse their influence to profiteering 200 million from an existing business in the bank loan. (http://baophapluat.vn/thi-truong/ocean-bank-len-tieng-vu-nhan-vien-nhan-hoi-lo-190538.html) linked to borrow around, even borrowing the customer's design ... Example: On 07/14/2014, the police investigation agency under the Ministry of Public Security has caught Do Ngoc Son, SN 1987, credit officer of Ocean bank, can abuse their influence in order to profit from a 200 million are now in the bank loan. (http://baophapluat.vn/thi-truong/ocean-bank-len-tieng-vu-nhan-vien-nhan-hoi-lo-190538.html) linked to borrow around, even borrowing the customer's design ... Example: On 07/14/2014, the police investigation agency under the Ministry of Public Security has caught Do Ngoc Son, SN 1987, credit officer of Ocean bank, can abuse their influence in order to profit from a 200 million are now in the bank loan. (http://baophapluat.vn/thi-truong/ocean-bank-len-tieng-vu-nhan-vien-nhan-hoi-lo-190538.html)

Kết quả (Anh) 3:

1 / moral hazard in bank lending activities in the oceanCommercial banks are special, sensitive, sticky and money, always face risks. Risk issues such as moral hazard are more risky, banks. According to economist Paul Krugman, moral hazard is "the case when one side raises the relevant decision to accept the degree of risk, while the other side is the loss of the decision if you fail" (Paul, 2009)In business banking, moral hazard generates the main business from banks and customer funds to banks using the ocean. Consequences of moral hazard are depositors in the banks and banks bear the ocean.When it comes to moral hazard in the ocean of bank credit, or the mentioned part, it is the direct customer of the work of the cadres, verifying documents, judging credit. This may prove that the prosecution of information of your cadres, cadres credit banks constantly on paper for their own wrongdoing. Common behavior is irresponsible assessment, with the customer to eat the money on the loan dividends, the loan linked circle, even in the customer's loan.For example: July 14, 2014 / police investigation agency is the Ministry of public security to seize the Yushan Park hunt, 1987, B NK credit behavior of marine cadres, using their influence, using $2 million from a company in the bank loan funds (HTTP:/ / baophapluat.vn / Truong / ocean-bank-len-tieng-vu-nhan-vien-nhan-hoi-lo-190538.html - Test)