Determinants Influencing the Intention to Cause the Moral Hazard of Vietnam Commercial Banks’ Staff

ABSTRACT

Vietnamese commercial banks are complying with Basel 2 regulations, particularly those pertaining to pillar 2. This article concentrates on moral hazard and the elements that influence bank employees' intentions to produce a moral hazard. We distributed a questionnaire to persons now employed in the banking industry, combining the Theory of Planned Behavior (TPB) was produced by Ajzen (1991) with the attribution theory was created by Weiner (1985). The structural equation modeling (SEM) results indicate that the decision manager and attitude toward the behavior have a detrimental effect. By contrast, positive affect is governed by subjective norms and perceived behavior. Additionally, the research discovers that moral hazard motivation (working motivation) has a detrimental effect on the decision manager and is influenced by distinctiveness and consensus. The research findings suggest that Vietnamese commercial banks should establish work standards for employees to strengthen the job's uniqueness and establish a business culture that discourages deviant behavior.

Keywords: Attribution theory, Commercial bank, Moral hazard, TPB

Download PDF

View HTML

Print Article

Views: 50 Downloads: 16

How to cite:

Vancouver

KHUC AT, DO LH, NGO XT. Determinants Influencing the Intention to Cause the Moral Hazard of Vietnam Commercial Banks’ Staff. J Organ Behav Res. 2022;7(1):125-37. https://doi.org/10.51847/GHeHJtjw4g

APA

KHUC, A. T., DO, L. H., & NGO, X. T. (2022). Determinants Influencing the Intention to Cause the Moral Hazard of Vietnam Commercial Banks’ Staff. Journal of Organizational Behavior Research, 7(1), 125-137. https://doi.org/10.51847/GHeHJtjw4g

references

Ahmad, I., & Gao, Y. (2018). Ethical leadership and work engagement: The roles of psychological empowerment and power distance orientation. Management Decision, 56(9), 1991-2005. doi:10.1108/MD-02-2017-0107

Ahmed, T., Chaojun, Y., Hongjuan, Y., & Mahmood, S. (2022). The Impact of Empowering Leadership on Job Performance of Higher Education Institutions Employees: Mediating Role of Goal Clarity and Self-Efficacy. Psychology Research and Behavior Management, 15, 677-694. doi:10.2147/PRBM.S357083

Ajzen, I. (1991). The theory of planned behavior. Orgnizational Behavior and Human Decision Processe, 50, 179-211. doi:10.1016/0749-5978(91)90020-T

Anginer, D., & Demirgüç-Kunt, A. (2018). Bank runs and moral hazard: A review of deposit insurance. USA: World Bank.

Awang, Y., Rahman, A. R. A., & Ismail, S. (2019). The influences of attitude, subjective norm and adherence to Islamic professional ethics on fraud intention in financial reporting. Journal of Islamic Accounting and Business Research, 10(5), 710-725. doi:10.1108/JIABR-07-2016-0085

Bauer, S., Bernroider, E. W., & Chudzikowski, K. (2017). Prevention is better than cure! Designing information security awareness programs to overcome users' non-compliance with information security policies in banks. Computers & Security, 68, 145-159. doi:10.1016/j.cose.2017.04.009

Berg, T., & Koziol, P. (2017). An analysis of the consistency of banks’ internal ratings. Journal of Banking & Finance, 78, 27-41. doi:10.1016/j.jbankfin.2017.01.013

Cheng, C. P., Phung, M. T., Hsiao, C. L., Shen, D. B., & Chen, B. S. (2018). Impact of operational risk toward the efficiency of banking-evidence from Taiwans banking industry. Asian Economic and Financial Review, 8(6), 815-831. doi:10.18488/journal.aefr.2018.86.815.831

Fishbein, M., & Ajzen, I. (1975). Attributes, Attitude, Intention, and Behavior, An Introduction to Theory and Research. USA: Addison-Wesley, Reading, MA.

García-Arroyo, J. A., & Segovia, A. O. (2021). Measuring the Influence of Environment on Behaviour: A Multimethod Multisample Validation of the Situational Strength at Work (SSW) Scale in Spanish-Speaking Samples. Revista de Psicologia del Trabajo y de Las Organizaciones, 37(3), 203-213. doi:10.5093/jwop2021a14

Girling, P. X. (2022). Operational Risk Management: A Complete Guide for Banking and Fintech: John Wiley & Sons.

Heider, F. (2013). The psychology of interpersonal relations: Psychology Press.

Heron, E. L. (2020). A new consensus on monetary policy? Brazilian Journal of Political Economy, 23, 505-530. doi:10.1590/0101-31572004-0605

Jones, R. J., Napiersky, U., & Lyubovnikova, J. (2019). Conceptualizing the distinctiveness of team coaching. Journal of Managerial Psychology, 34(2), 62-78. doi:10.1108/JMP-07-2018-0326

Kashif, M., & Khattak, A. (2017). Ethical intentions among frontline employees working in the US-based fast food chains in Pakistan: The moderating role of love of money. British Food Journal, 119(7), 1547-1561. doi:10.1108/BFJ-09-2016-0396

Kelley, H. H. (1973). The processes of causal attribution. American Psychologist, 28(2), 107-128. doi:10.1037/h0034225

Kia, N., Halvorsen, B., & Bartram, T. (2019). Ethical leadership and employee in-role performance: The mediating roles of organisational identification, customer orientation, service climate, and ethical climate. Personnel Review, 48(7), 1716-1733. doi:10.1108/PR-12-2018-0514

McKillop, D. G., & Wilson, J. O. (2015). Credit unions as cooperative institutions: Distinctiveness, performance and prospects. Social and Environmental Accountability Journal, 35(2), 96-112. doi:10.1080/0969160X.2015.1022195

Narteh, B., & Odoom, R. (2015). Does internal marketing influence employee loyalty? Evidence from the Ghanaian banking industry. Services Marketing Quarterly, 36(2), 112-135. doi:10.1080/15332969.2015.1014237

Navarro Cid, J., Rueff-Lopes, R., & Laurenceau, J. P. (2022). Studying Within-Person Changes in Work Motivation in the Short and Medium-Term: You Will Likely Need More Measurement Points than You Think! Revista de Psicología del Trabajo y de las Organizaciones= Journal of Work and Organizational Psychology , 38(2), 1-17. doi:10.5093/jwop2022a1

Nguyen, P. H., & Pham, D. T. B. (2020). The cost efficiency of Vietnamese banks–the difference between DEA and SFA. Journal of Economics and Development, 22(2), 209-227. doi:10.1108/JED-12-2019-0075

Niu, L., & Liu, Y. (2022). The Relationship Between Leadership Safety Commitment and Resilience Safety Participation Behavior. Psychology Research and Behavior Management, 15, 517-531. doi:10.2147/PRBM.S349712

Pop, A. I., Lotrean, L. M., Buzoianu, A. D., Suciu, S. M., & Florea, M. (2022). Attitudes and Practices Regarding Research among Romanian Medical Undergraduate Students. International Journal of Environmental Research and Public Health, 19(3), 1872. doi:10.3390/ijerph19031872

Saleem, M. A., Bhutta, Z. M., Nauman, M., & Zahra, S. (2019). Enhancing performance and commitment through leadership and empowerment: An emerging economy perspective. International Journal Of Bank Marketing, 37(1), 303-322. doi:10.1108/IJBM-02-2018-0037

Tamborini, R., Prabhu, S., Lewis, R. J., Grizzard, M., & Eden, A. (2016). The influence of media exposure on the accessibility of moral intuitions and associated affect. Journal of Media Psychology, 30, 79-90. doi:10.1027/1864-1105/a000183

Van Greuning, H., & Bratanovic, S. B. (2020). Analyzing banking risk: a framework for assessing corporate governance and risk management. USA: World Bank Publications.

Weiner, B. (1985). An attributional theory of achievement motivation and emotion. Psychological Review, 92(4), 548-573. doi:10.3102/00346543042002203

Yoo, J., Chen, J., & Frankwick, G. L. (2020). Influence of customer participation from the employee perspective. International Journal of Bank Marketing, 39(1), 22-47. doi:10.1108/IJBM-05-2020-0255