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The Research On The Credit Risk Management In Yueyang Sub Branch Of Bank Of China

Posted on:2006-09-22Degree:MasterType:Thesis
Country:ChinaCandidate:Y ZhaoFull Text:PDF
GTID:2166360155462099Subject:Business Administration
Abstract/Summary:PDF Full Text Request
Credit is the most traditional business of commercial bank, and credit exposure is the main risk for commercial bank to deal with, and therefore credit risk management becomes commercial bank's daily work.In this paper, it firstly introduces the conception of risk and considers its essentiality is uncertainty that can be measured by some ways. According to risk's conception, the paper defines credit exposure. Commercial bank faces many kinds of risk in dealing with its business, and credit risk is one of the most, which is resulted by many causes. In our country, causes of commercial bank's credit risk includes historical system factor, internal and external factor and new factor resulted by the course of development. Despite of the above various causes, characteristics of credit exposure show that it can be managed, and commercial bank must deal with credit risk. To manage credit risk, there must be an integrate system which includes building of credit risk culture, recognition and measurement of credit risk , prevention and deal with it, and such a system can lower risk and avoid the loss of asset of banks.Yueyang Sub branch of Bank of China is at municipal level. Compared with international advanced bank industry, wider gap exists between the two's credit risk management. There are many problems in credit risk management of Yueyang Sub branch of Bank of China such as unreasonableness of organization framework of credit risk management, shortage of number of credit persons with good quality, backwardness of means of credit risk management, unreasonableness of flow and policy of credit transaction and singleness of resolving method of credit risk. Under the present background in which China commercial bank exists, reconstruction of system of credit risk management of Yueyang Sub branch of Bank of China should be based on its own characters and from five factors. Such a loan risk management system can reduce non-performing loan and raise rate of asset returns.
Keywords/Search Tags:Yueyang Sub branch of Bank of China, Credit Risk Management, Culture of Loan Risk, Process of Credit Risk Management
PDF Full Text Request
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