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The Risk Management Of Consumer Loan In China Commercial Banks

Posted on:2004-08-16Degree:MasterType:Thesis
Country:ChinaCandidate:F LiFull Text:PDF
GTID:2156360125955658Subject:Political economy
Abstract/Summary:PDF Full Text Request
' Considering the fact that China is incomplete in establishing a personal credit system, this article applies the theoretical and the practical methods, with regard to two aspects of successful experience obtained from the U.S.A. 's practice in establishing a complete consumer credit system and an advanced risk management system of consumer loans, to establish a set of complete risk management system and practical precautious measures of consumer loan within the China commercial banking system. This article consists of five parts with detail as follows.Part one introduces the categories of consumer loans and the major risks that China commercial banks are facing in developing the business of consumer loan. The major risks include market risk, credit risk, and operation risk.Part two analyzes the forming reasons of consumer loan risks in China commercial banks. The reasons lie primarily in personal credit system, personal credit environment, and personal credit perception and behavior. It virtually includes the incompleteness of law, the lack of credit rating agencies, the absence of scientific credit evaluation system of consumer credit, the impotence of government implementation, the deterioration of personal credit environment, the information asymmetry, the weakness of consumer credit perception, the low codes of consumer morality, the backward of consumer values, and the consumption behavior changes as a result of the consumer expected income changes, etc.Part three elaborates the consumer loan rating method, the processing procedure, the ratifying procedure, and the after-loan administrative measures etc. that China commercial banks implement in consumer loan business. It analyzes the business development status and the existing problems relative to consumer loan of China commercial banks. It pointsout the fact that the major obstacle and the bottleneck of consumer loan business in China consumer banks is the absence of consumer credit system.Part four focuses on reviewing the establishment and the operation model of American consumer credit system, the development of its consumer loan, the risk management of its consumer loan, and its important referential significance to China consumer loan business.Part five analyzes the relevance between the features of China consumer loan, the new characteristics of consumer credit system. It brings forward the question about how to establish the risk management system and the risk precaution system in consumer loan business in China commercial banks.
Keywords/Search Tags:Commercial bank, Personal credit system, Consumer loan, Risk management
PDF Full Text Request
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