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Analysis of Reputation Risk Management in China’s Commercial Banks

Author: DuanWeiBin
Tutor: RenYanYan
School: Shandong University
Course: Industrial Engineering
Keywords: Commercial bank Reputation risk management Case analysis
CLC: F832.33
Type: Master's thesis
Year: 2013
Downloads: 133
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Abstract


Reputation risk is becoming one of the most important risk faced by commercial banks. Although domestic and foreign literatures have done a lot of research, the different research of the management constraint mechanism about the reputation risk of commercial bank management is weak,which leads to two questions:on the one hand,overseas reputation risk constraint mechanism of commercial Banks is not suitable for domestic commercial Banks; on the other hand, for the domestic relevant experts and scholars are rarely engaged in commercial bank’s reputation risk management practices and lack of understanding the characteristics and essence of reputation risk management.From the domestic and foreign literature review, this paper introduces the foreign commercial bank’s reputation risk management system and experience.Through the typical cases study, the paper analyzed domestic commercial banks of reputational risk constraint mechanism and the influence. The paper also pointed out the problems of domestic commercial banks to reputational risk management and put forward the train of thought to solve the problem.This paper focuses on a domestic city commercial bank (Q Bank) reputational risk cases, by a significant reputational risk events on Q bank deposits, loans, fee-based business, net profits, senior executives, listing process analysis, discovery of commercial banks reputational risk is an associated derivative risk, any internal or external events impact management problems may cause reputational risk events. Meanwhile, a significant reputational risk events of Q bank almost cause business cliff-type fall in2010-2011, should cause a high degree of vigilance to domestic small and medium commercial banks. But the government played a strong role in tacit endorsement, spent all administrative measures can be adopted to coordinate the financial regulators and banks have business with Q dealings with financial institutions to ensure adequate cash flow and adhere to normal operations. Q banks only took about a year’s time to be restored to the scale of business development status before the incident, to achieve a V-type inversion results which for small commercial banks abroad is unimaginable, indicating endorsement government credit is still the domestic commercial banks emboldened to cope with extreme events reputational risks.This paper argues that reputation risk constraint mechanism of the foreign commercial bank is more clear and transparent, while the effect of the restraint mechanism is not obvious. Even though the reputation of very significant risk events will constitute the individual commercial banks operation effects, but the more is through the senior management of the reputation of pressure to achieve. Therefore the domestic commercial banks of reputational risk prevention focus on reputation risk public opinion control link, not the reputation risk itself, which caused a series of domestic commercial Banks to reputational risk management problems. This article aims to reveal the reputation risk of domestic commercial Banks special function mechanism, guiding the correct understanding of reputation risk of commercial bank.Through the solid work to improve internal management, earnestly safeguard the interests of stakeholders, fundamentally eliminate the reputational risk hidden trouble.The full text is divided into six chapters:the first chapter is introduction about reputation risk of commercial bank and the literature review, mainly introducing the domestic and foreign relevant theories in terms of reputation and bank reputation; The second chapter gives a general overview of the commercial Banks to reputational risk, mainly expounding the connotation of the commercial Banks to reputational risk, characteristics, manifestation, influence factors and reputation risk of commercial Banks general theoretical analysis of the restriction mechanism;The third chapter analyzes our country commercial bank’s reputation risk management status, this paper discusses the current subjective and objective problems of; The fourth chapter introduces the foreign commercial bank’s reputation risk management system and practice experience; The fifth chapter is the study of the domestic commercial banks to reputational risk classic case; The sixth chapter puts forward relevant countermeasures and Suggestions on our country commercial bank.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )
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