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A Study on the Effects of the Subprime Mortgage Cirsis on the Credit Risk Management of Mainland China Bank Industry and Taiwan Bank Industry

Author: LinKunSan
Tutor: GongZhanKui
School: Nankai University
Course: World economy
Keywords: Subprime mortgage crisis Baesl II Basel III China AgriculturalBank Taipei Fubon Bank
CLC: F832.33
Type: PhD thesis
Year: 2012
Downloads: 26
Quote: 0
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Abstract


After1980s, the global financial system transformed into a market-oriented fromthe regulated quickly, and developed towards to the liberalization andinternationalization stage. Although the progress of the financial markets made thenational economic prosperity, the damage and cost brought by the inflation, creditcrisis and global financial panic resulted from the prosperity should not beunderestimated. Sub-prime mortgage crisis resulted in a domino effect, the crisisquickly spread to the world, it not only led the international financial system operateunder the dark clouds, but also made the investors become lacking of investmentconfidence and the increases the volatility in financial market. According to the U.S.IMF, world economic growth dropped to4.8%from5.2%in2007, and the “liquidityrisk” resulted in the economic of U.S., EU, Japan and other developed countriesrecived the recession. Further more, the financial crisis has brought the “globalimbalances”, and the low interest rate environment and the large-scale capital inflowsbrought by the imbalances raised systemic risk of financial markets. Governmentsover the world have injected a large amount of capital to rescue the injured economy.We can still maintain high liquidity for Asian countries had less participation ininvesting in derivatives; therefore, the damage Asia financial markets received wasrelatively low.Financial crisis plunged the global economy in2007, for avoiding the subprimemortgage crisis coming back, when facing the beautiful but uncertainty future, themanagement and supervision of banks should work together to establish theregulations which conform to the international laws to reduce and prevent from thefinancial risks. And then we are supposed to experience and conquer every challengethat we’ve never met by pursuing the open reform and policy based on theconsiderations of maintaining the stability and safety of financial market. Therefore,maintain the stable development of financial market is the foundamental of helpingthe development of the sustainable economic growth, the bubble of speculative asset or credit crisis caused by the mortgage kept reminding us of the importance of"monitoring and risk reducing". Since risk management is the core management ofmodern commercial bank, and credit risk is one of the most important risks thebanking industry facing, the aim of this study is to explore if there’s any far-reachingimpacts in credit risk management of Mainland China bank industry and Taiwan bankindustry after experiencing sub-prime mortgage crisis.In the beginning of this study, Chapter I and Chapter II introduce the intensionand logic of credit risk management of bank, and explore the model of traditionalcredit risk management and the modern one, and then analysis the the impacts ofcredit risk management brought by Basel II. In Chapter III, it describes the traditionalstrategy of credit risk management, the present problems and the reform policiesabout credit risk management of commercial bank in mainland China and Taiwan;also, we take the China Agricultural Bank to represent the commercial bank of Chinaand take Taipei Fubon Bank to represent the commercial bank of Taiwan. In ChapterIV and Chapter V, it first introduces the credit risk management culture and thesystem of commercial banks in mainland China and Taiwan separately, and ayalysiswhat were the impacts brought by the sub-prime mortgage crisis, what the significantimpacts fell on their operating and return, and then discuss what were the strategiesthey adopted to overcome the strom and stabilize their business in the final. InChaptert VI, it studys that how the sub-prime crisis affected the credit riskmanagement system of China Agricultural Bank and Taipei Fubon Bank seperately,and then do the comparisons between the two banks. In the final chapter, we make some conclusion and recommendations for this study.

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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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