Research on the Credit Management of Commercial Banks of Lianyungang City for the SMEs

2013 ◽  
Vol 380-384 ◽  
pp. 4595-4599
Author(s):  
Jun Yi Chen ◽  
Shu Ping Han
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Management Plan ◽  
Local Economy ◽  
Adverse Impact ◽  
Credit Policy ◽  
Capital Operation ◽  
Credit Management ◽  
Whole Process ◽  
Credit Demand

At present, the credit management mode of commercial bank in lianyungang for the SMEs is still in the exploring, although the various credit policy for the small and medium-sized enterprises has been come out, the risk management plan and operation method that really suit for credit demand for the SMEs is still not mature. and it caused that the bad debts and dead loan were overstoched in lianyungang commercial bank, thus it seriously impact on the capital operation of commercial banks, and then it has caused some adverse impact to the development of local economy. Therefore, it is necessary for commercial banks in lianyungang city to supervise and manage the whole process of credit of the small and medium-sized enterprises.

scholarly journals Credit Management Practices, Loan Repayment Management and Profitability Of Commercial Banks’ Branches In Uganda.

2021 ◽  
Author(s):  
◽  
Anthony Elemu
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Positive Relationship ◽  
Management Practices ◽  
Mediating Effect ◽  
Loan Repayment ◽  
Credit Management ◽  
Bank Branches ◽  
The Impact ◽  
The Relationship

Background: The study examined the relationship between credit management practices, loan repayment management and profitability of commercial banks branches in Uganda. The objectives included; to establish the relationship between credit management practices and profitability; relationship between loan repayment management and profitability; mediating effect of loan repayment management on credit management practices and profitability; and examine the impact of credit management practices and loan repayment management on profitability. Methodology: The study was a cross- sectional research and applied a quantitative approach. A sample of 234 commercial bank branches was used from a total of 573. The study obtained responses from 166 branches. Primary data was obtained from a branch manager and credit supervisor using a structured questionnaire. Validity of the questionnaire was obtained using CVI and reliability using Cronbach Alpha Coefficient. Data was analyzed using SPSS v.20 to obtain descriptive statistics, correlation and regression analyzes to present results. A Med-graph was used to test the mediation of loan repayment management. Results: This study ascertained a positive relationship between credit management practices and profitability; and positive relationship between loan repayment management and profitability. The study further ascertained a partial mediation of loan repayment management in the relationship between credit management practices and profitability. Furthermore, the study revealed that jointly credit management practices and loan repayment management predict profitability of commercial bank branches. More so, the study established that the best predictor of profitability is loan repayment management. This study ascertained a positive relationship between credit management practices and profitability; and positive relationship between loan repayment management and profitability. Conclusion: The study concludes that credit management practices and loan repayment management are among the critical factors influencing profitability at the commercial bank branch level.

Credit analysis in a commercial Bank

2018 ◽  
Author(s):  
Светлана Хасянова ◽  
Svetlana Khasyanova
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Integrated Approach ◽  
Credit Policy ◽  
Master's Programs ◽  
Bank Management ◽  
Analysis Process ◽  
Assessment Systems ◽  
Credit Analysis

The main issues related to the organization of the credit analysis process in a commercial Bank, the role of credit analysis in the risk management system. From the standpoint of an integrated approach, the methodology and specific methods of assessing the creditworthiness of borrowers used by banks are described. The manual includes international recommendations for the implementation of banks ' internal credit risk assessment systems. In presenting the material used examples from the practice of commercial banks, analytical tables, charts and figures. This manual is intended for students of master's programs of the direction 38.04.08 "Finance and credit" and the final course of the bachelor direction 38.03.01 "Economics", studying the discipline "Credit policy of the Bank", "Bank management and risk analysis" and other disciplines of financial profilez in a commercial Bank

Analisis Kinerja Keuangan Bank Umum Syariah Melalui Pendekatan Islamicity Performance Index

2021 ◽  
Vol 7 (2) ◽  
Author(s):  
Safaah Restuning Hayati ◽  
Mutiah Hanifah Ramadhani
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Performance Index ◽  
Commercial Banks ◽  
Secondary Data ◽  
Sampling Technique ◽  
Descriptive Research ◽  
Index Approach ◽  
Principles Of Justice ◽  
Quantitative Descriptive

This study aims to determine how the financial performance of Islamic commercial banks in Indonesia through the islamicity performance index approach for the period 2013-2017, by the principles of justice, halalness, and purification. This study using quantitative descriptive research. The number of banks sampled are five Islamic commercial banks in Indonesia that have been selected, through a purposive sampling technique first. These banks are BRI Syariah, BNI Syariah, Mandiri Syariah, BCA Syariah, and Victoria Syariah. The type of data used is secondary data taken from the financial statements of each islamic commercial bank that is sampled. Through the islamicity performance index approach, the results of this study indicate that the financial performance of islamic commercial bank is unsatisfactory, based on the average of the variables that have been processed in accordance with predicate valuation standards.

Determinants of commercial bank loan and advance disbursement: the case of private Ethiopian commercial banks

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Tekeste Birhanu ◽  
Sewunet Bosho Deressa ◽  
Hossein Azadi ◽  
Ants-Hannes Viira ◽  
Steven Van Passel ◽  
...  
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Inflation Rate ◽  
Bank Loans ◽  
Bank Loan ◽  
Portfolio Investment ◽  
Negative Effects ◽  
Content Type ◽  
Lending Rate

PurposeThis paper aimed to investigate the determinants of loans and advances from commercial banks in the case of Ethiopian private commercial banks.Design/methodology/approachThe study randomly selected seven commercial banks to represent the population stratified on their asset, deposit and paid-up capital amounts. The study utilized an unbalanced panel data model as each bank started operation at a different period of time and considered the period 1995–2016 for secondary details.FindingsThe findings showed that the deposit size, credit risk, portfolio investment, average lending rate, real gross domestic product (GDP) and inflation rate had significant and optimistic effects on the lending and advancement of private commercial banks. On the contrary, liquidity ratio had significant and negative effects on private commercial bank loans and advances. Finally, the study forwarded a feasible recommendation for concerned organs to focus on deposit size, credit risk, portfolio investment, average lending rate, real GDP, inflation rate and liquidity ratio. The results of this study will help banking industry policymakers and planners understand how to minimize inflation and unemployment by improving development and sustainable economic growth.Originality/valueThe findings of this study can also affect the general attitudes of a society by increasing knowledge and improve the quality of life for the general public.

scholarly journals DEPOSIT BASE OF COMMERCIAL BANKS AND WAYS OF STRENGTHENING IT

2018 ◽  
Vol 2 (5(17)) ◽  
pp. 49-52
Author(s):  
Zunnunova Khulkar Mukhtorovna
Keyword(s):  
Commercial Bank ◽  
Commercial Banks

The purpose of this topic is to study the deposit base, ways to increase them to increase the active operations and income of a commercial bank.

scholarly journals Credit Management and Issues of Bad Debts: An Empirical Study of Listed Deposit Banks in Nigeria

2020 ◽  
pp. 32-49
Author(s):  
Peter E. Ayunku ◽  
Akwarandu Uzochukwu
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Commercial Banks ◽  
Random Effect ◽  
Credit Risk Management ◽  
Loan Loss ◽  
Data Set ◽  
Credit Management ◽  
Loan Loss Provision ◽  
The Impact

This study examines the impact of credit management on firm performance amidst bad debts, among Nigerian deposit banks. Five hypotheses were formulated following the dependent variables of Return on Asset and Tobin Q. The independent variables employed for this study include: Loan Loss Provision, Loan to Deposit Ratio, Equity to Asset Ratio, and Loan Write off. This study is based on ex-post facto research design and employed a panel data set collected from fourteen (14) commercial banks over six years ranging from 2014 to 2019 financial year. We analyzed the data set using descriptive statistics, correlation and Ordinary Least Square Regression Technique. The random effect models established that non-performing loan, loan loss provision and equity to asset impact significantly on banks’ performance in both Return on Asset and Tobin-Q models. This suggests that the sampled banks need to establish efficient arrangements to deal with credit risk management. In all, credit risk management indicators considered in this research are important variables in explaining the profitability of Nigerian commercial banks. However, based on the outcome from the empirical analysis, the study carefully recommends that investors and shareholders in these banks should be aware of the possible use of provisions for losses on non-performing loans by managers for smoothening of profits. The shareholders specifically should be ready to meet optimal agency costs to reduce the manager's information asymmetry by hiring competent internal and external auditors.

scholarly journals PENGARUH FAKTOR INTERNAL DAN FAKTOR MAKROEKONOMI TERHADAP STABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE 2012-2018

2020 ◽  
Vol 7 (11) ◽  
pp. 2062
Author(s):  
Dian Rizqi Lestari ◽  
Noven Suprayogi
Keyword(s):  
Panel Data ◽  
Gross Domestic Product ◽  
Interest Rates ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Annual Report ◽  
Domestic Product ◽  
Z Score ◽  
Score Method ◽  
Size Efficiency

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh ukuran bank, efisiensi, capital buffer, PDB, Inflasi, dan suku bunga terhadap tingkat stabilitas Bank Umum Syariah di Indonesia periode 2012-2018. Penelitian ini menggunakan data panel dan metode z-score dalam mengukur stabilitas. Data diambil dari website resmi Badan Pusat Statistik (BPS) dan annual report masing masing bank umum syariah. Hasil penelitian ini menunjukkan variabel ukuran bank (size), efisiensi, capital buffer, PDB (Produk Domestik Bruto), inflasi dan suku bunga (BI rate) secara simultan memiliki pengaruh yang signifikan. Kata Kunci: Stabilitas, Bank Umum Syariah, ukuran bank, efisiensi, capital buffer, PDB, Inflasi, suku bunga ABSTRACTThis study aims to determine the effect of bank size, efficiency, capital buffer, GDP, inflation, and interest rates on the level of stability of Sharia Commercial Banks in Indonesia for the period of 2012-2018. This study uses panel data and z-score method in measuring stability. This study used data obtained from the official website of the Central Statistics Agency and the annual report of each Islamic commercial bank. The results of this study indicate that the variable of bank size, efficiency, capital buffer, GDP (Gross Domestic Product), inflation and interest rates (BI rate) simultaneously have a significant effect.Keywords: Stability, Sharia Commercial Banks, bank size, efficiency, capital buffer, GDP, inflation, and interest rates

scholarly journals ANALISIS PERBEDAAN RASIO KEUANGAN BANK UMUM KONVESIONAL DAN BANK UMUM SYARIAH SERTA PENGARUHNYA TERHADAP PENYALURAN KREDIT ATAU PEMBIAYAAN (Studi empiris yang tedrdaftar di BEI periode 2013-2016)

2017 ◽  
Vol 5 (1) ◽  
pp. 9-23
Author(s):  
Dika Ismawati ◽  
Edy Supriyono
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Operating Efficiency ◽  
Analysis Technique ◽  
Significant Difference ◽  
Negative Effect ◽  
General Data

This study aims to obtain evidence of differences in financial ratios of conventional commercial banks and sharia commercial banks, as well as the influence of financial ratios, liquidity, capital adequacy, problem loans, profitability, operating efficiency of lending. This study uses secondary data. The sample in this research is conventional commercial bank and sharia public bank listed on BEI with 4 year observation period (2013-2016). This sample was chosen by purposive sampling method. Independent sample t-test is used to test whether there is difference of average of two interconnected samples, multiple linear regression is used as data analysis technique as many as 148 general data of banking company, conventional bank and syariah commercial bank as many as 44 company data period 2013-2016 . The results of this study indicate that there are differences in average liquidity, problem loans, profitability, operating efficiency, While the average capital adequacy there is no significant difference between conventional commercial banks and sharia banks. While liquidity and profitability have a positive effect on lending, non performing loans and operating efficiency have a negative effect on lending, and capital adequacy does not affect credit disbursement.  

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