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The Study Of Credit Risk Management Of Shenzhen Commercial Bank Under The Basel Guidance

Posted on:2005-05-12Degree:MasterType:Thesis
Country:ChinaCandidate:M X ZhouFull Text:PDF
GTID:2156360152468658Subject:Business Administration
Abstract/Summary:PDF Full Text Request
In January 2001 the Committee issued a second consultative paper on the Basel Capital Accord. The supervision framework, which brings forward by the Basel Capital Accord, will become "the rules" for the banking industry in the following years. The issue and implement of this Accord will make china banking face more challenges and adopt opening door policy. China Banking Regulatory Committee 's (CBRC) main working target this year focuses on the supervision of the middle and small commercial banks. That means the middle and small commercial banks must control risk according to the relevant rules and business practice in order to improve the ability of risk management. As a local commercial bank, SZCB also faces more challenges and undertaking more social responsibilities, badly need to improve our ability of risk management This paper is under the guidance of the Basel 2, on how the China Banking Regulatory Committee 's (CBRC) executes the theme of the new Basel Capital Accord, and analysis the problems exist in SZCB's credit risk, introduce the three major parts of the new Basel Capital Accord, especially introduce the core part of internal risk control system. The major part of this paper is to bring forward reform suggestions to SZCB, such as the reform in shareholder's structure, enlarge capital , raising the capital adequacy ratio, subdivision the 5-classified loan management which has been adopted internationally, into the 9-classified loan management. The reform projects of this paper analyses in proper sequence with case study of SZCB, prove to be feasible and practical, not only to Shenzhen Commercial Bank, but also to all the middle, small banks in China.
Keywords/Search Tags:the Basel Capital Accord, Commercial bank, Credit risk management.
PDF Full Text Request
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