Abstract
Credit risk refers to the likelihood of incurring losses due to operational uncertainties with Industrial and Commercial banks of china. To an aggressive bank with sound structure, advanced management and perfect internal control, credit risk mean opportunities and profit rather than losses. At present, our Industrial and Commercial banks have some problems, for example, they have little awareness of risk; the quality of capital is low; the ratio of bad-loan is high, and lace the perfect system of credit grade, and so on. In face of these problems, Chinese Industrial and Commercial banks should learn from the rich experiences of banks abroad, take the way of qualitative and analysis, intensify the awareness of risk, establish the three-rank loan-controlling, and establish the perfect system of credit risk’s.
Keywords:Industrial and Commercial banks; credit risk; credit management
Abstract
Credit risk refers to the likelihood of incurring losses due to operational uncertainties with Industrial and Commercial banks of china. To an aggressive bank with sound structure, advanced management and perfect internal control, credit risk mean opportunities and profit rather than losses. At present, our Industrial and Commercial banks have some problems, for example, they have little awareness of risk; the quality of capital is low; the ratio of bad-loan is high, and lace the perfect system of credit grade, and so on. In face of these problems, Chinese Industrial and Commercial banks should learn from the rich experiences of banks abroad, take the way of qualitative and analysis, intensify the awareness of risk, establish the three-rank loan-controlling, and establish the perfect system of credit risk’s.
Keywords:Industrial and Commercial banks; credit risk; credit management
Abstract
Credit risk refers to the likelihood of incurring losses due to operational uncertainties with Industrial and Commercial banks of china. To an aggressive bank with sound structure, advanced management and perfect internal control, credit risk mean opportunities and profit rather than losses. At present, our Industrial and Commercial banks have some problems, for example, they have little awareness of risk; the quality of capital is low; the ratio of bad-loan is high, and lace the perfect system of credit grade, and so on. In face of these problems, Chinese Industrial and Commercial banks should learn from the rich experiences of banks abroad, take the way of qualitative and analysis, intensify the awareness of risk, establish the three-rank loan-controlling, and establish the perfect system of credit risk’s.
Keywords:Industrial and Commercial banks; credit risk; credit management
Abstract
Credit risk refers to the likelihood of incurring losses due to operational uncertainties with Industrial and Commercial banks of china. To an aggressive bank with sound structure, advanced management and perfect internal control, credit risk mean opportunities and profit rather than losses. At present, our Industrial and Commercial banks have some problems, for example, they have little awareness of risk; the quality of capital is low; the ratio of bad-loan is high, and lace the perfect system of credit grade, and so on. In face of these problems, Chinese Industrial and Commercial banks should learn from the rich experiences of banks abroad, take the way of qualitative and analysis, intensify the awareness of risk, establish the three-rank loan-controlling, and establish the perfect system of credit risk’s.
Keywords:Industrial and Commercial banks; credit risk; credit management