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The Research on the Relationship between Loan Provision and the Risk Management-based on the XX Bank

Author: ZhangZuo
Tutor: WangRenZeng
School: South China University of Technology
Course: Finance
Keywords: banking operation risk management loan loss provision
CLC: F832.1
Type: Master's thesis
Year: 2013
Downloads: 14
Quote: 0
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Abstract


Risk provision is a measure of financial institution to ward off asset risk and compensatefor asset loss may occur in the future. The process of financial crises shows that the creditbehavior of commercial bank and the provision for loan losses has a significant pro-cyclicalfeature. It reduces the risk of the accrual provision due to the good asset quality during theeconomic boom, in the depression period and increases the level of risk in the economicrecession. It has been a long time since risk provision policy made in China, so it is necessaryto make clear the effect of policy. Those are also the research purposes of this dissertation.First this dissertation briefly comments on the research background and content, thenpoints out the key traits and shortages of the existing study. Secondly, the dissertationdescribes the provision from the perspective of risk management, financial accounting, capitalmanagement, compares and analyses the international develop course in loan loss provision.Thirdly, it comprehensively analyses the provision policy system in China. According to theanalysis, these are three aspects of provision policy in China: fiscal, accounting, regulation.Then basis on the theoretical analysis, the dissertation analyses the respect between theprovision to the credit assets and risk prevention during the year2006to2012, throughconstituting the VAR model, Granger causality test and impulse response function. From theresults of the empirical analysis, the credit has a significant impact on provision, so as to thebad loan on the provision.In recent years, domestic experts and scholars have made some research on provision, theyhave made some achievements, but there are few experiential analysis based on statistical datain respect of the provision. According to this, this dissertation not just focused on theelementary issues of the provision, but put emphasis on the experiential analyses. I hope thisdissertation can provide a reliable basis on the future settlement of provision policy.

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