scholarly journals Alternative Strategies of Credit Risk Management: A Successful Case Study of the Guangdong Nanyue Bank in China From 2011 to 2016

2018 ◽  
Vol 9 (4) ◽  
pp. 1
Author(s):  
Bhabani Shankar Nayak ◽  
Jia Xu
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Risk Control ◽  
Professional Staff ◽  
Credit Risk Management ◽  
Alternative Strategies ◽  
Market Positioning ◽  
Successful Case ◽  
Set Up

Guangdong Nanyue Bank (GNB) shows the alternative strategies of credit risk management which led to its growth. It was formed out of local government finances and enterprise shares but spread its base to six cities and ranked as one of the top ten banks in the country. Since its establishment, the bank has been adhering to its market positioning: serving small and medium-sized enterprises, serving local citizens and serving trade financing. In order to better regulate the credit approval procedures and improve the credit level of decision-making, GNB has developed a set of applicable measures for the management of credit risk, set up corresponding departments and allocated professional staff for credit risk control before approval of loan, during the loan, and after the loan. The paper looks at the alternative strategies followed by GNB to manage credit risk and grow successfully within the banking industries in China.

scholarly journals Loan Loss Provision as One of the Ways to Minimize Credit Risk

2020 ◽  
Vol 11 (2) ◽  
Author(s):  
Larisa Tatarinova
Keyword(s):  
Risk Management ◽  
Central Bank ◽  
Credit Risk ◽  
Russian Federation ◽  
Management Practices ◽  
Risk Control ◽  
Credit Risk Management ◽  
Loan Loss ◽  
Credit Risks ◽  
The Russian Federation

The article examines credit risk of a commercial bank, ways of minimizing it, focusing on credit risk control for loan products in banks. It is noted that the Central Bank of the Russian Federation regulates managing credit risks for credit organization and forming a reserve for these risks. The Central Bank of the Russian Federation had four stages in regulating the creation by credit organizations of a reserve for risk control for loan products since 1990, while credit organizations have not been required to establish such reserves even today. At each of the steps identified, credit risk management practices are described and evaluated. The authors noted that there had been a shift from administrative methods of credit risk management to market-based methods that allowed a credit organization to develop its own methods of assessing a borrowers financial situation. As part of the further development of the practice of reserve for risk control for loan products, dynamic reserve methods are identified to ensure the reliability of credit institutions in an unstable economy.

Retail Credit Risk Management in Indian Public Sector Banks

2012 ◽  
Vol 3 (8) ◽  
pp. 31-37
Author(s):  
Nayan J. Nayan J. ◽  
◽  
Dr. M. Kumaraswamy Dr. M. Kumaraswamy
Keyword(s):  
Risk Management ◽  
Public Sector ◽  
Credit Risk ◽  
Credit Risk Management ◽  
Public Sector Banks ◽  
Retail Credit
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