Research On Collateral Evaluation System Optimization Of Bank Of Communications S Branch

Collateral, as an important credit risk slow-release tool, plays a basic role in credit policy and risk management of modern banks. Credit risk management demanded higher against background of profit slow down of global economy and that of our country, as well as rising of balance and ratio of non-performing loans. However, commercial banks attach little importance to collateral management, especially to evaluation and realization of collateral, which undermines profit and operation of commercial banks. Evaluation of collateral badly needs optimization.Firstly, this dissertation introduces the collateral evaluation system of Bank of Communications, S branch, and documents of collateral evaluation system both of domestic and abroad, as well as importance of that. Secondly, internal-eternal analysis method is adopted in this dissertation and reveals problems in imperfection of operation procedure and collateral information system, over reliant eternal and ignorance of evaluation, professional shortage, as well as imperfection of evaluation market and non-accessible of evaluation information. Thirdly, optimization scheme is designed based on principle of objective, reasonable and cautious, which contains introductions of collateral classification scheme, initial collateral evaluation, re-evaluation procedure, and eternal evaluation management scheme. Fourthly, real estate collateral of Bank of Communications, S branch is selected to analyses operation under the new scheme system with conclusion of every phase in evaluation of both old and new scheme through comparison method. The new scheme is confirmed more scientific and reasonable. Lastly, this dissertation introduces a pertinent and operable insurance measurement of institution, management information system, professionals and eternal perfection.The analysis and conclusion of this dissertation are vital to improving risk management and operation profit of Bank of Communications, S branch, as well as are references to collateral evaluation management of other commercial banks.