Font Size: a A A

A Study On Credit Policy And Risk Control Of Higher Education Client

Posted on:2006-01-22Degree:MasterType:Thesis
Country:ChinaCandidate:L YanFull Text:PDF
GTID:2166360155954014Subject:Business Administration
Abstract/Summary:PDF Full Text Request
Since 1999, banks and colleges began to seek for cooperation instead of having neglected each other as they used to do. It's time for managements and professionals in banking to probe the subject how to treat their customers of colleges, how to make credit policy for them, and how to control credit risk. By analysis and discuss credit status and credit demand of higher education, as well as competition and development pressure in banking itself, a point is raised that commercial banks should treat their college customers as their valued customers and try to make credit for them. The paper also puts forward measures of credit risk-controlled. This paper is made of six parts, including preface, four chapters and conclusion. The problem is set forth in preface. Under circumstances of cooperation between banks and colleges, it's a problem for managements and professional in banking how to treat college customers, how to handle college students credit demand, and how to take effective steps to control risk and keep credit assets safe. The first chapter is "Higher education credit status in banking". Taking data and charts of Bank of China Jilin Branch as an example, which is a miniature of credit assets gradually getting involved in colleges, we may draw a conclusion that college customers'credit and financial aid credit have rapidly developed in recent years. Cooperation between banks and colleges is becoming closer and stronger. That attributes to two causes: Firstly, tuition-charged rule of higher education promotes credit demand. Secondly, expecting benefits from higher education make great credit demand, and make it possible for credit demand. The second chapter is "Higher education development and it's credit demand analysis", which includes three sections: development status of higher education, development status of private higher education and higher education credit demand analysis. From the view of managements and professionals in banking, the chapter analyses the state in the field of higher education. Because private higher education is playing more and more important role in higher education of our country, meantime, it has much particularities, this thesis is emphatically discussed as a separate part in the chapter. By quantitative analysis of higher education credit demand, we find, it's possible for banks to provide credit for higher education customers. The third chapter "Banks'credit policy in higher education"is the most important one of the paper. Basing on two former chapters analysis, further analysis is made on competition environment, development stress, banks'development stress in banking, and banks'comprehensive returns in higher education credit. It's important for banks to develop higher education credit. A credit policy has been raised. It's time for banks to involve in higher education. Commercial banks should take college customers as their VIP customers, and on one hand, make credit for them, on the other hand, subdivide customer policy and product policy. The last chapter "Credit risk-controlled on higher education"is the longest one in the paper. The chapter does not emphasize on further theoretical research, but on carrying out current credit risk-controlled theory. At the beginning of the chapter, higher education credit risk-controlled principle is set forward, which...
Keywords/Search Tags:Education
PDF Full Text Request
Related items