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Changsha bank credit risk assessment system

Author: OuYanFang
Tutor: XiaoXu
School: Central South University
Course: Business Administration
Keywords: Commercial bank Credit risk Evaluation system
CLC: F832.3
Type: Master's thesis
Year: 2009
Downloads: 93
Quote: 0
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Abstract


The new revised version of "International Convergence of Capital Measure and Capital Standards" by the Basel Committee On Banking Supervision, compared to the original one in 1998, has brought forward great changes in the judgment of credit risks and the calculation of credit assets in commercial banks. A "new calculation standard" and its alternative, the internal credit rating method, have been presented, which indicates the important standing of internal credit rating among the whole credit risk management system and banking supervision.The foreign commercial banks have set up during the process of development, and upgraded their internal rating system under the framework of the New Basel Capital Accord and under the request of the Internal Ratings-Based Approach (IRB).Regardless of organization framework of risk rating, the method of internal rating, the choice of rating structure or the application of rating result, all embody the advanced idea and technique of risk management. It provides guidance to china’s banking about how to strengthen risk management.With the openness of the commercial banks in our country becoming more and more widely, and the listing process of our country state-owned commercial banks, our country’s commercial banks have to make the credit risks management, which is the most important part in the banking management, complied with the international ones. At present, there’s a lot of work to do in our commercial banks for both technique and experiences. The purpose of this article is try to present some useful suggestions and methods for the establishment of the commercial banks internal credit rating system in our country. This article tries to realize the above mentioned purpose by using the internal rating tools in New Basel Capital Agreement and the advanced credit risks management technique international. The paper chose the Changsha bank as the study sample to analyze the credit evaluation system, and do the test on the client of the bank. At last, the paper considering the present status and specialty of the credit risk rating in our commercial banks.

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