Impact of Credit Risk Management on Bank Performance of Nepalese Commercial Bank

2019 ◽  
Vol 9 (9) ◽  
pp. p9363
Author(s):  
Bindu Pantha
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Commercial Bank ◽  
Bank Performance ◽  
Credit Risk Management

The Application of Stress Testing and Applied Technology in Credit Risk Management

2014 ◽  
Vol 977 ◽  
pp. 435-441
Author(s):  
Neng Fu Zhang ◽  
Xiang Kang
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Commercial Bank ◽  
Stress Testing ◽  
Stress Tests ◽  
Credit Risk Management ◽  
Hypothetical Scenario ◽  
Applied Technology ◽  
Bank System ◽  
The Impact

We take advantage of the non-performing loan ratio as the main indicators of credit risk of the commercial bank, make use of the experience of domestic and foreign research, use LOGIT methodology to construct the stress testing model for the macro-economic factors’ impact of China on credit risk of commercial bank, and apply the hypothetical scenario to the test of macro stress in order to make an assessment in quantity for the impact of the macro-economic changes on the credit risk of the commercial bank system. The results show that the stress tests and applied technology can make a contribution to useful reference of credit risk management of the commercial bank of China.

Research on credit risk management of small and medium-sized enterprise in the industrial and commercial bank of China

2021 ◽  
pp. 002072092098350
Author(s):  
Ning Yida ◽  
Luo Hehua
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Commercial Bank ◽  
Management System ◽  
Organization Structure ◽  
Practical Significance ◽  
Electronic Business ◽  
Credit Risk Management ◽  
Risk Management System ◽  
Risk Management Process

As the largest commercial bank in China, ICBC is a typical representative of the electronic business of SMEs. However, the electronic business for SMEs has credit risks and needs to continuously strengthen the credit risk management for SMEs. By analyzing the organization structure, system and process of credit risk management for SME in ICBC, this paper attempts to conclude that there are flaws on credit risk organization structure, credit risk management process and system is not sound enough, and there are omissions before, on and after the loan, in addition, risk management awareness is not strong. In view of the above problems, this paper puts forward some countermeasures and suggestions to improve the organization structure of credit risk management, perfect the credit risk management system of SME, strictly carry out risk control before, during and after loans, and strengthen the consciousness of risk management. Researching the credit risk management system for SMEs in ICBC has a great educational and practical significance, for other commercial banks establishing and improving their risk management system.

scholarly journals The Impact of Globalisation Towards Bank Performance in Malaysia

2021 ◽  
Vol 12 (1) ◽  
pp. 331
Author(s):  
Logasvathi Murugiah ◽  
Mugeshmani Supramaniam
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Banking System ◽  
Secondary Data ◽  
Macroeconomic Fluctuations ◽  
Bank Performance ◽  
Credit Risk Management ◽  
And Performance ◽  
Macroeconomic Determinants ◽  
The Impact

The purpose of this study is to shed some crucial light on the relationship between globalisation and performance of the banking system in Malaysia. This study uses a range of bank-characteristic determinants (internal factors), macroeconomic determinants (external factors) and three different dimensions of globalisation including economic globalisation, social globalisation and political globalisation to explain local commercial bank performance in Malaysia. This study uses regression analysis based on the secondary data for local commercial banks in Malaysia. The period for this secondary data is 10 years which is from the year 2008 till 2017. This study indicates that there is strong evidence stating both economic and politic globalisation have negatively significant effects on the bank performance in Malaysia. Meanwhile, social globalisation shows an insignificant result on this. As for bank characteristics variables, credit risk shows a negatively significant result towards bank performance in Malaysia while bank size shows a positive and significant result towards bank performance in Malaysia. Sole macroeconomic variable which is GDP does not show any significant result towards the bank performance in Malaysia. Therefore, central bank of Malaysia should give some incentive training for local bankers on how to adopt new supervision and risk management. This will give the local bankers some new knowledge to handle better risk management and directly boost the bank performance. Besides that, banks should develop their credit risk management to overcome any default loans and for better financial performances. Banks in Malaysia also need to expand their businesses as larger banks give a larger facility which directly boots the bank performance. It is also recommended for Malaysian banks to improve their forecasting of macroeconomic fluctuations in future to achieve greater efficiency levels.

Credit risk management system of a commercial bank in Tanzania

2008 ◽  
Vol 3 (3) ◽  
pp. 323-332 ◽  
Author(s):  
Evelyn Richard ◽  
Marcellina Chijoriga ◽  
Erasmus Kaijage ◽  
Christer Peterson ◽  
Hakan Bohman
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Commercial Bank ◽  
Management System ◽  
Credit Risk Management ◽  
Risk Management System

scholarly journals Economic Capital Allocation for Corporate Borrowers Credit Risk Coverage

2021 ◽  
Vol 14 ◽  
pp. 20-37
Author(s):  
Irina V. Berezinets ◽  
◽  
Anastasiya S. Loginova ◽  
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Commercial Bank ◽  
Kernel Regression ◽  
Capital Allocation ◽  
Economic Capital ◽  
Credit Risk Management ◽  
Theoretical Methods ◽  
Starting Point ◽  
Risk Coverage

Both the estimation of economic capital for bank's credit risk coverage, and the allocation of economic capital by sources in order to determine the contribution of individual elements to total credit risk play an important role in the area of risk management of a bank. The estimation of a bank's economic capital for credit risk coverage serves as a starting point in the management of a bank's credit risk, while the allocation of economic capital to cover credit risk among individual elements allows to answer the question of how individual elements contribute to the total credit risk of a bank, which makes it possible to take certain decisions on credit risk management based on the obtained results of allocation. Nowadays, there are various theoretical methods and approaches to solve this nontrivial issue. The authors of the article attempted to implement them in practice, to estimate economic capital for credit risk coverage of a commercial bank and to allocate it among elements. This problem was solved applying the Euler allocation method and kernel regression.

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