Christophe Bouteiller
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3 publications
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748 downloads
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771 views
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0 books
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The evaluation of intangibles: introducing the optional capital
Investment Management and Financial Innovations Volume 7, 2010 Issue #4
Views: 592 Downloads: 325 TO CITE -
Human capital: assessing the financial value of football players on the basis of real options theory
Investment Management and Financial Innovations Volume 9, 2012 Issue #4
Views: 548 Downloads: 844 TO CITE -
Changes in organizational architecture and small business lending policy: the case of bank acquisitions
Investment Management and Financial Innovations Volume 11, 2014 Issue #2
Views: 574 Downloads: 224 TO CITE -
Human capital and credit risk management: training is more valuable than experience
Problems and Perspectives in Management Volume 17, 2019 Issue #1 pp. 67-77
Views: 1445 Downloads: 150 TO CITE АНОТАЦІЯThe aim of this article is to assess how human capital, and more specifically training and experience, helps in forecasting and monitoring credit risk. It uses a survey of a sample of loan officers in a major French mutualist bank and applies analysis of variance and correlation to determine the relationships among variables. The study of these two components of human capital in SME loan officers shows that their ability to anticipate risk depends above all on their training rather than on their experience. Some methods of anticipating risk are more important than others. Loan officers monitor their clients in similar ways, whatever the degree and nature of their experience. The findings have two important implications for credit risk management and human capital: first, both technical and regulatory training is crucial to enable loan officers to anticipate bank credit risk, second, experience, whether in banking or as a loan officer, only makes a difference in monitoring risk. These results will be useful when banks are planning recruitment, career management and resource and skills allocation. They also suggest that staff knowledge management will enable banks to use their human capital effectively to reach their own objectives with regard to risk control, and those fixed by the regulators. This work is, as far as it is known, the first to study the role of human capital in managing credit risk. The authors show that training is more important than experience in default risk anticipation, but that experience is useful in risk monitoring.
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