Study On The Credit Risk Of Joint-Stock Commercial Bank

Based on the analysis of the causes of credit risk of Joint-Stock Commercial Bank(JSCB), the premise, how to construct a perfect management system of credit risks, relies on the items, such as good external market conditions, inner operation management structures and advanced management information system. Four basic elements, which form further into four sub-systems for credit risk management such as system & technique guarantee and organization & business process system, are necessary for a well-operated credit risk management system. What's more, the outlines of how to improve the credit risk of JSCB is figured out.This dissertation includes total eight chapters. A systemic remarks is presented in chapter one, and then a research draft is given. Chapter two introduces the foundation background and analysis the existed problems in the course of development. However, the tendencies of those problems would have been getting worse and worse if were these no ways to prohibit. What have been analyzed above provides the further research background. The meaning, sorts and characteristics of credit risk for JSCB are defined first. Based on the division of systemic & techniques causes, the deep social conflicts which lead to produce all these risks are studied in chapter three. After clearly expressed the situation of JSCB, the difficult points of credit risk management of JSCB are so analyzed in detail that configuration on how to improve the management risk of JSCB eventually suggested. All these are done in chapter four. Chapter five describes the advanced experiences in coping with risks from western commercial banks in order to give some good advices to Chinese. The principles and rules to improve the management skills of credit risks for JSCB are expressed in addition to the technique guarantee and organization systems in chapter six and seven. In the last chapter, some empirical studies are done by using three JSCB as cases.The attention mostly was paid on the following aspects:(l)Based on the systemic analysis of the credit risks management system, the conceives on how to control the risks is presented.(2)Causes of those risks produced are made out, which gives the solid basis for studying the polices to control risks.(3)The successful experiences and methods of western banks in controlling the credit risks are used for references, and then the pattern of analysis and controlling the credit risks are investigated, which are suitable to the JSCBs in our country.(4)Based on systemic analysis and deep thought, some operation methodologies and policies on how to management and control the risks are found, which can provide some ideas in detail on how to improve perfectly the management of credit risks of JSCBs.(5)Taken three JSCBs as cases, an empirical study has been done from different viewpoints.