scholarly journals Research on Credit Risk Identification of Real Estate Industry in China's Commercial Banks

2017 ◽  
Author(s):  
Yifan Huang
Keyword(s):  
Real Estate ◽  
Credit Risk ◽  
Commercial Banks ◽  
Risk Identification ◽  
Real Estate Industry

scholarly journals Study of Credit Risk Identification Techniques Followed by Commercial Banks in Nepal

2017 ◽  
Vol 2 (2) ◽  
pp. 1-17
Author(s):  
Indra Kumar Kattel
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Joint Venture ◽  
Swot Analysis ◽  
Risk Identification ◽  
Risk Level ◽  
Private Bank ◽  
Significant Difference ◽  
Identification Techniques ◽  
Tools And Techniques

 The main purpose of this study is to explore the current credit risk identification techniques used by Nepalese commercial banks. A questionnaire was developed and surveyed to 9 commercial banks operating in Nepal. This paper attempts to ascertain the perceptions of Nepalese bankers about the importance of credit identification techniques and the practice of various tools to identify the risk related with the borrowers. The result of the study indicates that the Nepalese bankers are aware of the importance of various techniques to effectively identify the risk level. Furthermore, the Nepalese commercial banks have used various techniques like interview, root cause effect, check list analysis, Strength, Weakness, Opportunity and Threat (SWOT) analysis, scenario analysis, expert judgment, simulation, stress testing etc. In addition, there was significant difference between all three categories of bank, namely State-Owned bank with Private Bank, State-Owned bank with Joint Venture Bank, and Joint Venture Bank with Private Bank in terms of tools and techniques used for credit risk identification.

scholarly journals Understanding risk management practices in commercial banks: The case of the emerging market

2018 ◽  
Vol 8 (2) ◽  
pp. 54-62 ◽  
Author(s):  
Bashir Muhammad ◽  
Sher Khan ◽  
Yunhong Xu
Keyword(s):  
Risk Assessment ◽  
Risk Management ◽  
Risk Analysis ◽  
Credit Risk ◽  
Commercial Banks ◽  
Management Practices ◽  
Emerging Market ◽  
Risk Identification ◽  
Risk Monitoring ◽  
Credit Risk Analysis

This study examines how risk management practices can be influenced by factors, including understanding risk management, risk assessment & analysis, risk identification, risk monitoring and credit risk analysis in commercial banks of Pakistan. The collected data satisfied the reliability requirement and regression and correlation analyses were adopted. The results suggest that understanding risk and risk management (URM), risk assessment and analysis (RAA), risk identification (RI), risk monitoring (RM) and credit risk analysis (CRA) have positive significant impact on risk management practices (RMP). This suggests that commercial banks in Pakistan need to pay attention to URM, RAA, RI, RM and RA. Moreover, RM and RAA are prominent variables which influence RMP; therefore commercial banks of Pakistan should focus on RM and RAA

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