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Complaints management and bank risk profile

机译:投诉管理和银行风险简介

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This study investigates Spanish financial institutions' (FIs') propensity to amend and rectify errors deriving from complaints that financial services' users file with the Spanish regulator Complaints Service and how this propensity relates to FIs' risk profile. Under the theory that risk management system of a FI includes reputation risk, this study finds that FIs with higher amendment ratio are inefficient, have high liquidity, are highly profitable in the banking business and are sensitive to market risk while FIs that tend to rectify errors have lower loan loss provisions booked and have larger loan portfolios. Both tend to issue a sustainability report. Findings shed light on the risk profile of FIs that consider the reports that regulators issue regarding FIs' customers' complaints and help customers to identify FIs with higher customer orientation. (C) 2015 Elsevier Inc. All rights reserved.
机译:这项研究调查了西班牙金融机构(FIs)修改和纠正因金融服务的用户向西班牙监管机构投诉服务部门投诉而产生的错误的倾向,以及这种倾向如何与FIs的风险状况相关联。在金融机构的风险管理体系包括声誉风险的理论基础上,本研究发现修正率较高的金融机构效率低,流动性高,银行业务的利润率高,对市场风险敏感,而金融机构倾向于纠正错误。预订的贷款损失准备金较低,贷款组合更大。两者都倾向于发布可持续发展报告。调查结果揭示了金融机构的风险状况,金融机构考虑了监管机构发布的有关金融机构客户投诉的报告,并帮助客户确定具有更高客户导向度的金融机构。 (C)2015 Elsevier Inc.保留所有权利。

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