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The Study Of Reasons And Solutions For The Credit Risk

Posted on:2004-09-14Degree:MasterType:Thesis
Country:ChinaCandidate:Y J LouFull Text:PDF
GTID:2156360092990972Subject:Business Administration
Abstract/Summary:PDF Full Text Request
Finance is the core of our economy, banking is important part of finance and play a vital role the Government can utilize finance to spur production, stimulate market and steer economy. The most of income and profit are from loan of bank. But bank is full of high risk. We must face the most challenge to how to take precaution and solve bank credit risk.The thesis analyzes its loan statements after introducing the business bank. Based on the analysis, it finds out the reasons of bank credit. According to the theory and the fact, it comes up with the solutions of bank credit risk.By starting from the meaning and the characters of the credit risk, we can know our bank loan classification is different from foreign banks. Correspondingly, the thesis points out that our work is mainly to reduce and control Non-performing loan. The secondly, the article introduce Chouzhou businesses Bank Co.,ltd and emphasis on asset statements . Thirdly, According to the bank Non-performing loan form, the articles analyze concrete reasons from environment, businesses and system of management. Fourthly, the thesis raises the solutions from inner and outer system innovations according to the stated reasons. The innovations include macro-environment, credit management system and so on. Based on the fourth, the thesis studies risk-control system of loan. It especially analyzes asset-value system and introduces methods of asset-value.
Keywords/Search Tags:credit risk, non-performing loan, credit value
PDF Full Text Request
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