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Study on Credit Risk of Commercial Bank in China

Author: XuShanShan
Tutor: FuYaChen
School: Jilin University of Finance and Economics
Course: Finance
Keywords: Commercial bank Credit Risk Analysis and Comparison of credit risk measurement models Credit risk management system construction
CLC: F832.2
Type: Master's thesis
Year: 2010
Downloads: 525
Quote: 0
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Abstract


Continue the acceleration of the process of financial globalization, increasing the role of finance in economic development, the rapid development of financial liberalization, rapid financial innovation. It is in this process of rapid development, financial supervision gradually relax more and more intense competition in the financial sector, a large number of various financial derivatives, leading to the outbreak of the financial crisis continue to. The capital is the blood of the national economy, commercial banks are the heart of the national economy. Special enterprise as a target to chase profits, operating financial assets and financial liabilities of commercial banks, not only to have good quality is more important, but also has the ability to resist risks. Commercial banks in the course of business, always faces a variety of risks. Credit risk is one of China's commercial banks are facing important risks and improve the bank's credit risk management has become important issue facing China's banking. Due to the introduction of the new Basel agreement and the rapid development of the derivatives trading, credit risk management is undergoing a revolution. Credit risk management of commercial banks in China there are a lot of problems, with the further deepening of economic reform and opening to the outside world, both the internal development needs or external competitive pressures, the trend, are required to resolve the potential credit risk of commercial banks in China to improve the financial system stability. Since joining the WTO, China's rapid economic development, the development characteristics of the performance of investment-led. Especially after the 2008 financial crisis, the investment has intensified, driven by rapid economic toward recovery. As our country is to stimulate investment in response to the economic downturn, may increase the risk of the business of commercial banks. Risk management of commercial banks in China, in particular, credit risk management methods and techniques is still relatively backward, must be able to improve management methods to improve the level of management techniques, must recognize the problems of the credit risk management of commercial banks in China, according to China's commercial banks development mode and level of development, and learn from foreign advanced technology combined with the practical problems of building reasonable and effective, in line with international standards, in line with China's national conditions, management system and management system. New requirements for analysis paper is divided into four parts: the first description of the basic concepts and basic theory of modern commercial bank credit risk, to capture the overall credit risk of commercial banks, and then introduced the \, that is, the three pillars of the New Basel Capital Accord: minimum capital requirements, supervision and inspection and market constraints. Second, in the analysis of the existing problems in China's commercial banks credit risk and the causes and credit risk management fully grasp the basics of the premise. The causes of the bank's credit risk in China can basically be divided into two aspects, on the one hand, from the the bank external factors, the main cause of government intervention and borrowers; the other hand, from the bank's own reasons, primarily banks property rights system and the management of the bank's internal operations, risk management technology backward. China's commercial banks for credit risk IRB and loans such as measurement of the degree of risk, although in recent years, China's commercial banks credit risk management has to start the transition to scientific empiricism, however, Western commercial banks credit risk management technical methodology compared to the gap between the two is obvious. Credit risk identification, measurement in terms of credit risk management of commercial banks in China qualitative analysis, quantitative analysis is less, even with some of the quantitative analysis method, there are also a lot of imperfections: static analysis, dynamic analysis ; the local analysis and global analysis. The third part introduces the use of commercial bank credit risk measurement models and compare. I found that the formation of huge credit risk of commercial banks and the lack of credit risk management, power and experience, not only with the bank, is also related with the the distorted political bank-enterprise relationship, and overall credit environment. Finally, in the fifth chapter proposes how to strengthen China's commercial banks credit risk management measures recommended suggestions: According to the existing problems in China's commercial banks credit risk management system. Mainly from the shaping of the cultural system of credit risk, credit risk management, the establishment of the internal control system, and the credit risk of the construction of the external regulatory system and establish a good credit environment. Effective control of credit risk and reduce the need to rely on the many ways improve the overall implementation will be achieved, while by no means a model can be solved. At the same time, improve our commercial bank credit risk management methods and means to improve the level of credit risk management, also need innovative credit risk management tools, a unified, comprehensive database system, the culture of risk management system, and effective credit management system and good external credit environment construction.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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