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The Study of Credit Risk Management on Commercial Enterprise for Jilin Branch of Agricultural Bank of China Taking Eurasia Group as a Case Study

Author: LiuJingShuang
Tutor: MiaoHongHui
School: Jilin University
Course: Senior management of Business Administration
Keywords: agricultural bank commercial enterprise credit risk management
CLC: F832.4
Type: Master's thesis
Year: 2013
Downloads: 29
Quote: 0
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Abstract


Credit of commercial enterprises is an important asset business in commercialbanks, which is one of main ways for commercial banks to make profits. However,risks come along with profits. The commercial banks that want to get the profits haveto shoulder risks and uncertainty. Under this situation, financial security becomesvital for the commercial banks. In recent years, the high rate of irrecoverable loans ofcommercial banks has become the prime threat to the safety of capital. Commercialenterprises kept defrauding financial data in order to get higher rate in credit ratings,which ignored the principle of good faith. Therefore methods for controlling anddissolving the credit risk are the significant field that the commercial banks shouldput more emphasis on.This study will take the process of Jilin branch of Agricultural Bank of Chinaproviding credit for Changchun Eurasia Group as an example, starting with therecognition and determination of credit risk, then providing advices to establisheffective risk prevention mechanism, finally summarizing the specific measures forcontrolling the credit risk of commercial banks. This paper will help the commercialbanks to prevent and avoid credit risk from the practical level, and also fulfill thepurposes of commercial banks, which are safety, liquidity and profitability.This paper consists of three main parts:The first part will include the introduction of Eurasia Group, the analysis of thecredit process and the existence of credit risks. The risks come from3aspects, whichare the enterprise itself, the bank management and the measurement of risks.In the second part, reasons of above risks will be analyzed and discussed. Thesources of credit risks will be divided into two parts: external risk from the marketand the internal risk in enterprise project. The Final part will provide effective measures to guard security against creditrisk, which by means of establishment of an early warning system to monitor the finaluse of loan flow and to predict the total amount of credit needed by the commercialenterprises.This paper will take economic management theories as guidance, and mix thequalitative analysis with the quantitative analysis. To detect problems first, then toanalyze the reasons of problems, and finally to provide solutions to problems. What ismore, this study will use the empirical research method, which will take EurasiaGroup as a case study.At the end of this paper, a brief summary on the whole research process will bemade. Moreover, the differences in data collection and research methods from existedpaper will be shown. Finally, I will continue to supplement the key details on thetopic of credit risk management.

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