Research On Credit Risk Management Of Sino-Congolese Bank For Africa(BSCA Bank)

Congo has a long tradition of cooperation and friendship with China and is part of regional organizations such as the Central African Economic and Monetary Community(CEMAC).Congo is an oil producing country that,after the civil war in 1997,being rebuilding its economy and banking system which could support infrastructure investment plans.However,the rapid development of the financial industry is also facing the constant occurrence of credit risk.We study on the credit risk management of African banks,focusing on the specific case of the Sino-Congolese Bank for Africa(BSCA Bank).Instead of being dominated by risk,the bank should control it,which is why credit allocation involves the need to properly control risk.In the aspect of risk control,it mainly refers to BSCA Bank's management experience and computer system.According to the technology of other excellent commercial banks,risk management and control system have been established,which can control the risk to match the degree of their own development.We try to find a credit risk management model suitable for BSCA Bank's own characteristics and conditions in the current situation.Based on the analysis of bank credit risk and the theoretical framework and empirical analysis of BSCA banking activities,this combination of theoretical analysis and empirical research is also the main paradigm for universities to study the credit risk of commercial banks.After studying the general methods of controlling credit risk,the paper will further study its regulatory measures and reveal different methods of assessing and managing this risk.Therefore,we will discuss risks and their characteristics based on some research directions,and establish a credit risk management and control system through a clear analysis of the various risk control departments and their roles.This study may be related to the future development strategy of banks.Finally,we will discuss electronic risk and counterparty risk,which involve the concepts of credit,security and filing,and can provide some suggestions for banks to cope with future development risks.The overall objective of this study is to analyze the overall risk of banks,and to study its effectiveness in managing credit risk,so as to better understand the general credit risk management of banks and credit institutions.At the same time,from the perspective of training system,human resources,performance appraisal of related banks,combined with corporate culture,we consider the obstacles to the reform of credit risk management system of BSCA Bank.In view of these obstacles,this paper puts forward some aspects that BSCA Bank can improve.Among them,it is important to analyze the knowledge and control of daily credit risk management tools based on demand and excess liquidity in order to limit inherent risks.Our research is limited to the case of BSCA Bank.As a development bank,BSCA Bank's main responsibility is to identify potential risks of units or businesses,minimize risks,set up risk control devices and test the effectiveness of control based on good analysis,understanding and efficient risk management.