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Research on SMEs’ Credit Risk Management of Bank of Jilin

Author: WangZuo
Tutor: WangXiQing
School: Jilin University
Course: Business Administration
Keywords: Credit risk management SEM
CLC: F832.42
Type: Master's thesis
Year: 2013
Downloads: 207
Quote: 0
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In this thesis, the Bank of Jilin as an example, the risk management in financingbusiness with small and medium sized enterprises, is examined.The first chapterintroduces the background and significance of the subject. It also provides anoverview of the importance of the small and medium sized businesses to oureconomy, describes the complexity for small and medium sized businesses to obtainloans from the banks that underpins risk management perception.The third chapter sets out the different types of risks to which Jinin Bank isparticularly exposed in its financing business with small and medium sizedenterprises: credit risk, policy risk and management risk. It also offers an insight intothe internal causes and external causes of the risks.In chapter four, the recommendation is given on how to improve the riskmanagement from the following three aspects:1) risk management framework;2)risk management procedures implementation;3) post risk management assessment.With the development of market economy in China, the importance of small andmedium-sized enterprise becomes more prominent. In order to develop wider marketand obtain high rate of return, the Chinese Commercial Banks need to focus more onfinancing small and medium-sized businesses. In the course of their operations, banksare invariably faced with different types of risks that may have potentially negativeon their business. The credit risk is the most prominent among the risks to which abank is particularly exposed. Therefore it requires the Chinese commercial bank tohave an effective risk management and control system to minimize the negativeeffects of the risks. However, the Chinese commercial banks are having severedifficulties in the financing business with small and medium sized enterprise due tothe unregulated operation process, ineffective risk management process and theparticularity of the small and medium-sized enterprise Thus, it is crucial for the banksto have an effective risk management framework and process in order to minimize the credit risks, maximize the financial results and the capital of the bank and maintaintheir competitiveness in the market.. Therefore, the risk management in the creditbusiness of small and medium-sized enterprise has important practical significancefor commercial banks.therefore the research background firstly from the importance of the enterprise toour country economy, to cause the financing difficulty of small enterprises tohighlight the important role of risk management, the significance of the smallbusiness market of commercial banks are emphasized. At the same time, introducedin this chapter and the research method and to solve the problem. The second chapteris the study of the present situation and problems of the risk management of Jilinbank’s credit business with small business. In the following three aspects: to carry outthe risk management, the status quo of Jilin bank small business credit business riskmanagement and the Bank of Jilin small business credit business of small and microbusinesses business. In the case of the Bank of Jilin’s small and micro businessesbusiness, in order to make the data more convincing, the paper are collectedaccording to the latest survey in2012the bank small business credit business.The third chapter discusses the analysis of Jilin bank small business creditbusiness risk. Through the analysis of the overall situation, the Jilin bank smallbusiness loan risk mainly includes the risk for credit, policy and management etc.Risks of credit business of Bank of Jilin produced include two kinds: internal causeand external cause.Put forward the improvement scheme of risk management of Jilin bank smallbusiness credit business in the fourth chapter the loan from the Bank of Jilin smallenterprise risk inspection system of business risk management system, processimprovement schemes and loan three aspects. In the system construction:strengthening the loan risk control link, pay attention to later problem loans andnon-performing loans loan management, design responsibility system. In processimprovement: guarantee improved survey, loan amount, term, interest rates andrepayment methods and requirements on land and buildings and other collateral; lastbank credit business credit control is accomplished by controlling the credit risk ofbusiness after the completion of the back, through the loan after the management to achieve this control.At the end of this thesis, namely the fifth chapter through the four points andputs forward the scheme of the risk management of Jilin bank small business loanguarantee measures.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit > Industrial and commercial credit
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