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Research On The Credit Risk Of The Zhenjiang City Commercial Bank

Posted on:2005-10-10Degree:MasterType:Thesis
Country:ChinaCandidate:J W ChangFull Text:PDF
GTID:2156360122971752Subject:Business Administration
Abstract/Summary:PDF Full Text Request
In the modern banking system of which the commercial banks are the main bodies. Their safety and stability decide those of our country' s banking system in great degrees. However, in latest years, the commercial banks have gained great progress in capital scale, business scope, business management, etc.. But now, the aspect such as the continuous declination of credit quality has become the important factor in hindering the development of commercial Banks, and also in impacting the long-term run of state economy. Many reasons have given birth to the bad quality of credit capital inland, Among which the greatest is the low lever of management on credit capital with absence of practical means in measuring the credit risk. The questions, such as how to confine the target of credit risk management and how to increase the efficiency must become the important things which the commercial banks should pay attention to.This thesis takes Zhenjiang City Commercial Bank (ZCCB) as the research object, stating with the basic theory of credit risk by way of analyzing in combining the theory into practice, and then deeply analyzing the current status and credit risk system in order to find the weak aspects on the basis of research, and with consulting foreign banks' advanced means in controlling credit risk and with importing the credit risk management system project,specially importing the model of Crdeit Metrics, the most important means in measuring the VAR value of credit risk in the above mentioned project, and then puts forward the conclusion that the means in managing the credit risk is changeable and dynamic with using synthetic ways in accordance with the practical status, and also advises how to improve the credit risk management on the part of ZCCB. I hope the research result could contribute something for betterment of implement on credit risk management and for managing ZCCB' s capital and liability, and then make it to gain better profits and stronger competition ability, at the same time, I also hope its result could give some advice to other commercial banks to help them defend and resolve the credit risk.
Keywords/Search Tags:Zhenjiang City Commercial Bank, The credit risk, Credit risk management
PDF Full Text Request
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