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Kunming Y Bank Loan Risk Evaluation System - For Example, The Hotel Industry

Posted on:2004-01-19Degree:MasterType:Thesis
Country:ChinaCandidate:J HuFull Text:PDF
GTID:2206360095950762Subject:Business Administration
Abstract/Summary:PDF Full Text Request
Loan risk is a main factor influencing the safety and efficiency of credits management in China's commercial banks. So managing loan risk is one of the most urgent tasks of our commercial banks. Loan risk evaluation is a key link in loan risk management of commercial banks because only by appraising risk scientifically can banks direct business practices effectively. Credit Grading and Loan Risk Degree are the main evaluation systems used in our commercial banks, which is dominated by qualitative analysis. However, the appraising methods of foreign banks for loan risk are weeded through the old to bring forth the new constantly. It is worthy to study how to set up a perfect risk evaluation system according to our risk surrounding and running features, in order to supplying the present method.Based on the experiences of loaning of Bank Y for Kunming's hotels, a new loan risk evaluation system, which combines the qualitative and quantitative analysis, has been studied and designed in this thesis. Some methods are applied in the research, such as the analytic hierarchy process, Delphic group specialists' advice and statistic method.Firstly, the loan-risk evaluation methods in Bank Y have been dissected. By consulting in the ripe evaluation technology of foreign banks, comparative studies are done on loan risk evaluation in China's as well as foreign commercial banks. Then the problems that exist in the domestic methods including Bank Y have been analyzed. Secondly, from the System Theory views, the thesis analyses the influential elements for hotel trades' loan risk in Y. According to the principles of the people's bank of China about classification management of loan risk, a comprehensive evaluation system is designed for loan risk of Y hotel trades, which directed against the flaw in Y's consumer credit ratings system. The hierarchical structure model and the appraisal indexes system are established. Composite index method is given as the appraising way for the evaluation system. Finally, this method has been applied to Y hotel trades' loan risk evaluation; the results have been compared with that of Bank Y's credit rating. It is appeared that the comprehensive evaluation system completes the deficiency appraisal methods on loan risk of bank Y.
Keywords/Search Tags:Commercial Bank, Loan Risk, Evaluation
PDF Full Text Request
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