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The Analysis of Chinese Banking Credit Risk Evaluation

Author: ZhaoXueGang
Tutor: QinFengMing
School: Shandong University
Course: Finance
Keywords: Credit assets Risk Management Non-performing loans
CLC: F832.4
Type: Master's thesis
Year: 2010
Downloads: 203
Quote: 0
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Abstract


In recent years, growing financial globalization trends and the volatility of the financial markets and risk management of commercial banks has been the focus of attention of the international and domestic financial sector . China's commercial banks have been mainly traditional deposit and lending business , therefore , the credit risk is the major risk faced by the commercial banks in China . Strengthen credit risk management , to improve the quality of credit assets , reduce the proportion of non-performing loans has become an urgent and arduous task faced by the commercial banks . Risk management of credit assets , the risk of valuation is the core of the entire risk management process , related to the success or failure of the entire risk management activities , some credit risk estimation models developed by research institutions of foreign banks , but focused on China's banking industry not strong. The status quo introduced based on the credit risk of commercial banks , analyzing the causes of the credit risk , and put forward a series of countermeasures and suggestions to solve the credit risk of commercial banks . The paper is divided into five parts: The first part of the introduction , a brief overview of the background , significance and research methods of this study , the frame structure ; second part , the general theory and methods of measurement of credit risk measurement , expounded at home and abroad in the credit risk measure commonly used method ; credit risk management practices of banks in developed countries to introduce the advanced experience in credit risk management of the U.S. Citibank and Deutsche Bank , Germany ; fourth part , our empirical analysis of the credit risk management , REVIEW China's banking industry practice of credit management process, on the basis of an objective description of the current status of the quality of our loan risk measurement model suited to China's national conditions ; fifth part , conclusions and policy recommendations on the basis of the above analysis , put forward in the future of China's banking industry should be updated in the credit risk management philosophy , systems and management techniques. Due to the U.S. subprime mortgage crisis in 2008 and the impact of the global financial crisis , China 's commercial banks are facing increasing financial risks . The commercial banks must address these risks , and as soon as possible to build a bank credit risk management system , the establishment of a comprehensive risk management model to improve their risk identification and control capabilities to ensure the healthy development of the bank .

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