Dissertation > Excellent graduate degree dissertation topics show

Credit Risk Management of Commercial Bank in China

Author: HuangYueZhou
Tutor: ZhuHongQuan
School: Southwest Jiaotong University
Course: Business Administration
Keywords: Strategy Management Credit Risk Commercial Bank
CLC: F832.4
Type: Master's thesis
Year: 2009
Downloads: 2536
Quote: 17
Read: Download Dissertation

Abstract


It is well known that credit risk management is the core part of risk management in commercial bank. It has been considered as the most key and challenging part in risk management area since 1990s. The continuous developments of financial market and financial derivatives make the credit risk surging and complicated. With a large global economic slowdown caused by "sub-prime" debt crisis occurred in U.S., now the credit risk management is becoming truly focused. However, the current financial market liberalization in China is still at the primary stage, and the loans still take the large propitiate of total bank assets. In this light, the credit risk is one of the biggest risks for commercial bank to deal with.The approach of China’s reform and opening- up, especially the entrance of WTO accelerating the financial globalization for commercial bank, which in turn makes commercial banks develop considerably fast. But compared to the ?Basel Capital Accord? and credit risk management model in banks of western developed countries, Chinese banks are still in the beginning level. There are some shortages in risk management mechanism, such as the problems in credit structure, credit operating process, credit supporting system and achievement appraisal system. The commercial bank in China has not accomplished operating index of optimizing the relationship of risk and return and increased both the financial and operating risk in commercial bank.This paper undertakes a detailed analysis of credit risk management based on the real examples of credit risk management model of Guangdong Development Bank. It primarily analyzes the current situation of credit risk management in commercial banks and the reason behind problems. Then to apply for the useful practical experience from some advanced foreign banks like American bank and Singapore bank in order to illustrate lessons from them. Finally it concludes with a further and deep study on the aspects of further direction of credit risk management, environment for refining credit risk management, and credit risk management mechanism which will be adaptable to constant financial environment.

Related Dissertations

  1. Empirical Study on the Top Management Turnover and Performance of Listed Companies in China,F224
  2. Real-Time Power-Stealing Monitoring and Arrear Management System,TM73
  3. Secondary art teachers and students, the status of the conflict and control countermeasures,G456
  4. The Technologies for Interoperability of Heterogeneous Enterprise Applications and Their Application in Material SCM,TP311.52
  5. The Software Component Modeling Method Based on Feature and Its Application in VMI Management System,TP311.52
  6. Research on Transparent Security of JPEG Image,TP391.41
  7. The Research and Design of Middle-Small Enterprises Purchase-Sales-Inventory Management System,TP311.52
  8. Multiple Pairwise Keys Management Protocol of Function Node-Based for Wireless Sensor Networks,TP212.9
  9. Study on Green Supply Chain Management Based on Stakeholders Theory,F274
  10. Study on New Product Launch Strategy in Decathlon,F274
  11. Study on Development Risk Analysis and Management of Urban Commercial Residence,F293.35
  12. XD upholstered furniture business strategy,F272
  13. Study on Student Management of Rural Boarding School in China,G471
  14. The Research on Mixed-age Regional Activities Management of Kindergarten,G617
  15. On Civilian-run Colleges and Universities Issue and Its Internal Management System to Improve,G647
  16. Study on International Development Strategy of Chinese Research Universities,G647
  17. Study on the Improvement Stategies in Classroom Management of Secondery Vocational Schools,G717
  18. On Practical Exploration of Construction of Students’ Self-management System,G637
  19. Research on Difficulties in Geography Learning for Senior One Students,G633.55
  20. High School Geography Education Content and Strategies for Disaster Inquiry,G633.55
  21. Xinjiang Oilfield Ground Construction Cost Indicators and Management Information System Study and Application,F284

CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
© 2012 www.DissertationTopic.Net  Mobile