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Lending strategies and loan quality : analysis based on a branch of ABC

Author: MaLan
Tutor: LiPing
School: University of Electronic Science and Technology
Course: Business Administration
Keywords: Lending strategy Loan quality Agricultural Bank
CLC: F832.4
Type: Master's thesis
Year: 2009
Downloads: 77
Quote: 0
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Abstract


In this paper, after the ABC since 2001, a branch of the implementation of the series to improve credit decision-making efficiency as the core of the new system of credit brought changes in asset quality of the bank credit as the main line, the details of the bank customer identification, pre-loan investigation various credit policy adopted by all aspects of the credit in the review, and post-loan check, and typical loan companies as a case study, the focus of the bank customer rating indicator system, the determination of the line of credit as well as loans for the choice of the way superiority and inferiority, and other technical capacity aspects of the three major credit decisions and recommendations for improvements. This thesis is divided into six parts in the structure. The first part is the introduction, on the one hand, the research background and significance, emphasize the healthy development of the national economy as a whole of the commercial banks' credit risk relationship; the other hand, reviewed the factors and management strategies of the existing literature on the asset quality of bank credit research results, and pointed out the problems to be studied further; second part of an overview of the strategy and credit quality of assets of the ABC at a branch of Credit Management: described by a branch of the Agricultural Bank of China credit management strategy, we analyze the quality of credit assets impact and leads to the main content of the thesis; Part III rating strategy and loan quality: we first introduced the main content of the new Basel Capital Accord, and the relationship with the bank Credit Ratings; followed by the description of the different credit level of the customer's loan balance and loan quality; Finally, find out the rating system and made recommendations; fourth part of the credit strategy and loan quality: We describe the main method of calculation by the bank line of credit, and a typical loan business, for example, the analysis of the pros and cons of the method, recommendations for improvements; fifth part of loans and loan quality, we mainly introduced the secured management approach to develop the legal basis, compared to the Hong Kong banking sector loans customary practices, analyzing the advantages and disadvantages of different loans, and pointed out that even if the second source of repayment of the borrower also affect the level of protection an important factor in the quality of loans, but considering the comprehensive strength of the borrower is to improve loan quality core content; sixth part is the summary. The findings show that, even if the asset quality of bank credit is good or bad macro policies are usually subject to a variety of factors affect the level of the bank's own management, third party (enterprise) repayment ability, and repayment willingness, but the grassroots banks in the objective environment can not be changed when, starting from their own Enhancing \

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