Authors:
Mingyi Du
1
;
Yingqi Xuan
2
;
Yunxuan Zhang
3
and
Anqi Zhu
4
Affiliations:
1
New York University, New York, United States
;
2
University of Bristol, Bristol, United Kingdom
;
3
Beijing Institute of Technology, Beijing, China
;
4
Capital University of Economics and Business, Beijing, China These authors contributed equally
Keyword(s):
Commercial Banks, Credit Loan, Risk Management.
Abstract:
The key to the business success of commercial banks is determined by whether they are willing to take risks, whether they can properly control and manage credit risk. For the past few years, the national and international economic and financial situation has been complicated. With the constant adjustment of national macro-policy and banking supervision measures, solving the problem of national commercial bank credit risk management under the new situation has become the priority of domestic banks. The goal of credit risk management is not only to ensure the safety of the loans but also through credit risk management to improve the quality of examination and approval of new loans and establish a good relationship between banks and enterprises. Based on the relevant data that has been obtained, compared to the statistical data analysis, theory and empirical analysis study, this paper explored the development of China’s commercial bank credit markets and the general laws by drawing on f
oreign commercial bank loan management’s advanced experience combined with the status of China’s commercial bank loan management and empirical analysis and discussion by the method of its existing loan management issues. Finally, after analysing the current situation of loan management of China’s banks, combined with foreign commercial banks’ experience, this paper put forward some improving strategies of commercial banks’ loan management. We alter, optimize, and control each stage of the project and minimize its risk within one stage to its least possible, and we achieve to manage the risks of the project as a whole.
(More)