The Relationship among Overconfidence, Experience, and Optimism in Credit Granting

• Main Authors: Huang-Nan Hsu, 徐晃南
• Other Authors: Po-Kai Huang
• Format: Others
• Language: zh-TW
• Published: 2011
• Online Access: http://ndltd.ncl.edu.tw/handle/41849334495844897802

碩士 === 真理大學 === 企業管理學系碩士班 === 99 === 　　Overconfidence is relatively easy to make people overestimate their ability to underestimate the risk of the existence. It is the kind of bias behavior. In the past there were few studies which were discussed with employees for the bank. In this study, we would like to know whether credit officers have a tendency to overconfidence or not. Second, if credit officers generally are overconfident, to investigate the impact of the experience is good or bad if would affect the degree of overconfidence personnel; Finally, the passed studies often confused with the optimism and overconfidence, in this study were divided into two concepts, we would like to investigate that whether the different levels of optimism would interfere with past experience for overconfidence or not. 　　This study conducted a questionnaire survey to collect samples, the way is convenience sampling. Targeting a bank in Taipei City and County of micro-enterprises (capital of 30 million or less) credit department personnel branch by someone’s help for providing internal distribution, the total sample of 75, and 71 valid samples. The results showed that overconfidence universally exist in credit officers’ mind indeed; Second, past experience of credit officers and overconfidence is negative. That is worse experience, and the overconfident degree is higher; The more the total number of credit, the more easy to overconfidence; Third, optimism and overconfidence are two different concepts certainly, but the level of optimism does not interfere with the past experience of the degree of overconfidence. Therefore, we get three points. First, the areas of expertise are more likely to be overconfident; Second, when a bad credit experience (experience of overdue loans), they are more likely overconfident. It represents that if the occurrence of overdue loans event, we more seriously review the question of the reasons, to prevent the credit officers’ the enhancement degree of overconfidence; the more total number of credit articles and the more easily overconfidence. Credit managers should pay attention to hidden performance problems caused by the rating. The credit officer has not made excessive overconfidence; Finally, although The level of optimism doesn’t interfere with the degree of past experience on the impact of overconfidence, but this study proved that optimism and overconfidence are indeed two different concepts. Key words：Overconfidence; Experience of Credit Granting; Optimism