Corporate Credit Management Of Chinese-funded Commercial Banks Against Financial Crisis

This dissertation is dedicated to research the credit management capability and the choice of corporate financing from 2 aspects of theoretical framework and practical considering, based on the globalization of banking business with financial crisis spreading. Combining the study during MBA courses and working experience in bank, the writer structure a systematic mode of credit management against the financial crisis through an objective, clear and practical way from quantitative and qualitative ,theoretical and practical angles.Firstly the paper clarify the content and principles of credit management based on the retrospection of the development of Chinese-funded commercial banks and their credit management. Secondly it sorts the traditional favor of banking credit and aims to research the credit management from theoretical and practical aspects. Thirdly the paper analyze the relationship of lending which is the main means of corporate financing between the banks and corporate clients. The paper propose suggestions on the financing choice against the crisis based on the analysis of the financing products, fields, financing channels.The innovation of this paper lies in two aspects. One is that I summarize the favor of Chinese-funded commercial banks lending and propose the most appropriate framework after the investigation of credit practices. This may be a meaningful test to the capability of risk control and prediction. The other is to propose trade financing products, summarize the usual consideration of bank lending and debt preservation. All these construct a whole process of credit management, which has seldom been summarized and proposed formerly. The aim of credit management is to reach a win-win result for the banks and the clients by the systematic process, structure and plans with the flowing of funds. To be brief, through the study against the crisis, this paper attempts to reach the goals of efficient risk control and information symmetry, and also to be helpful to the steady economic recovery.