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Sound Credit Management Mechanism, To Improve The Quality Of Credit Assets

Posted on:2001-11-12Degree:MasterType:Thesis
Country:ChinaCandidate:X QianFull Text:PDF
GTID:2206360002451732Subject:Business Administration
Abstract/Summary:PDF Full Text Request
With the rapid development of Chinese commercial banks in the past several years, the quality of their credit assets becomes more inferior. Analyzing from deep-rooted, the situation of inferior credit asset of Chinese commercial banks was caused by traditional and systematic factors: the restriction of traditional property right relationship makes the state-owned enterprises and banks hardly become independent owners of property and standard credit relationship and financial orders. The reform of financial system was slower than Chinese economic reform, bringing about the relay of central bank's macroeconomic management and commercial bank's internal control. The incompleteness of social safety net reform rigorously restricts bank's withdrawing from enterprises, increasing the risk.To the status of credit management of commercial banks, on the basis of drawing lesson from experience of advanced countries and districts, this article shall give some suggestion on organization setting, system construction, system perfection, and so on. Including such content as below: (1) The credit management institution is funded under the principal of effective risk control. The credit risk control department is administratively separated from the credit operation department, so as to realize institutionally splitting credit examination and operation. (2) According to the experience of HongKong commercial bank and the situation of domestic bank, we should construct high effective credit management system to carry out accurately credit analysis and severely supervision in the progress of credit operation by building multi-level and multi-channel information decision system, scientific credit analysis system which could pay equal attention to quantitative analysis and qualitative analysis, credit examination and approval department which specially vigorously supervision on credit asset, etc, with building and effective management on personnel of credit operating. (3) Chinese commercial banks have many defects on the credit stimulus and restriction, to solve some outstanding problems, the author suggest below measures: first, promoting level management of branch , improving accredit measure, specially should relax the power of accredit to grassroots branch. Second, constructing perfect estimation and sanction system that should be consistent with credit obligation and rights. Including fair partition creditor's obligation and rights, constructing and completing the system of estimation and sanction, constructing creditor's achievement estimation and sanction system with accounting the risk and profit of credit., practicing close management on creditor to keep personnel stabilization. Third, we should perfect credit supervision and control system, continually improve quantity of credit supervision., including strengthening credit system 's supervision of branches, perfecting commercial bank's system of internal auditing for credit, enhancing accountant department , supervision for routine credit. (4) To amplify the business cooperation between banks and construction of financial system in order to prevent and resolve the financial risk.
Keywords/Search Tags:Chinese Commercial BankCredit ManagementCredit AssetsCredit Risk
PDF Full Text Request
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