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The Designs of Loans Credit Risk Management Systems for State-owned Commercial Banks in Our Country

Author: JiangMuFeng
Tutor: LiuDeHuang
School: Xiamen University
Course: Finance
Keywords: Commercial bank Loan risk Management system
CLC: F832.4
Type: Master's thesis
Year: 2005
Downloads: 747
Quote: 2
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Abstract


The cause of a large number of non-performing assets of state-owned commercial banks, both institutional factors, internal management issues. The a reasonable loan credit risk management systems to strengthen credit risk management, prevention and control of the effective guarantee of the loan risk. Due to various reasons, China's state-owned commercial bank loan credit risk management system there are many defects, significant effect on the prevention and control of the bank loan credit risk. In view of this, I based on the experience accumulated by the objective needs of China's national conditions and loan credit risk management and my long-term practice, analysis of defects and their causes of China's state-owned commercial bank loan credit risk management system, raised the credit risk management of China's state-owned commercial bank loans system design conceived. The thesis is divided into five parts: The first part of the Introduction. Pointed out that the research background, significance and papers Innovation and features. The second part of the analysis of the credit risk characteristics of the state-owned commercial bank loans, concealment, lag has pointed out that the risk of loans, long-term and complex nature of the feature. Analysis of internal and external reasons for the state-owned commercial bank loan risk, credit policy, the sense of responsibility, institutional constraints, approvals, authorizations, and other aspects of the internal reasons that affect the risk of loans, is also a major determinant of. Social credit environment, legal environment, information asymmetry is caused by external causes of the risk of commercial bank loans. The third part, the analysis of the defects of the state-owned commercial bank loan credit risk management system. Principal Agent for too long led to loan risk control weakening; state-owned commercial banks than focus on short-term incentives and the lack of long-term incentives; inefficiencies generated loan approval process is long and unclear; loan risk warning assessment mechanisms are inadequate, and the lack of scientific loan risk assessment mechanisms and risk accountability system, defect management systems exist a direct impact on the strengthening of the loan risk management. The fourth part, in order to design better risk management systems of the state-owned commercial bank loans, has put forward the principles of design that effectively prevent and control the risk principle, efficiency-oriented principles, risk management and business development in both the principle of establish the principle of customer first, and the implementation of the Right and Interest principle of unity and the concrete used these principles loan risk management system designed

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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