Case Study On Credit Risk Management Of Large Joint Loan Of St Bank In S City

Basel Accord system of international banking good practice does not make detailed provisions on group client linked credit and inter-bank joint risk management.China’s financing mode,which is dominated by indirect financing,plays an important role in promoting rapid economic growth.However,due to the continuous easing of macro liquidity and the deepening of supply-side structural reform,the extensive growth mode,in which banks rely solely on large joint loans to promote economic growth,has its drawbacks and shortcomings become more and more obvious.In recent years,the loan balance and large enterprise credit scale of ST Bank continue to increase with the local economic growth.How to better carry out the credit risk management of large joint loans and optimize the allocation of credit resources has become a problem that banks and regulatory authorities must face and solve.How to play a role and how to play a better role in the practice of risk management of ST Bank’s large joint loan,the banking creditors’ committee system formed by drawing lessons from the creditors’ committee mode,has become an issue to be studied.This thesis analysis and combed the creditors’ committee,bank of bank creditors’ committee and large syndicated loans credit risk management related concepts and theories.Based on the conditions of S city large syndicated loans,we expound the regulatory constraints of debt committee in ST Bank and analyses the operating effects of different stages,the main problems and improvement measures.Based on the business cases of ST Bank and two representative local enterprises,this thesis analyzes the role of industrial debt committee in preventing the credit risk management of large joint loans,and points out the difficulties and problems in further exerting the restriction system.Finally,according to the work practice,put forward suggestions to improve the banking debt committee system.The economic significances of this thesis are reflected in the research on the implementation and role of the banking debt committee system in preventing the risk management of large syndicated loans by closely combining with the actual situation of ST Bank’s credit risk management and prevention of large syndicated loans,which has certain theoretical significance and reference significance for other third-tier and fourth-tier city banks.