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Web of Proceedings - Francis Academic Press
Web of Proceedings - Francis Academic Press

Research of User Credit Compliance Willingness Based on Ttf Model

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DOI: 10.25236/iwass.2019.102


Chen Wei, Li Yingji, Xia Dongmei, Fu Xuan

Corresponding Author

Xia Dongmei


According to the Characteristics of Credit Contract Performance in Stages, This Paper Constructs a Performance Supervision Model to Focus on the Role of Credit Performance Supervision in Protecting the Rights and Interests of Creditors. Although the Establishment of Default Clauses and Guarantees Helps to Fulfill the Contract and Strengthen the Credit Supervision of the Lender, the Credit Supervision Must Pay a Certain Cost. Credit Supervision is Really Effective Only When the Cost of Performance Supervision is Lower Than the Benefits Brought by Supervision. Compared with the Nominal Form Supervision, the Substantial Supervision Can Increase the Profit of the Lender.


Credit Financing; Loan Contract; Supervision; Incentive