Commercial Bank Credit Management Practice

Author: Wang Lijun
Publisher:
Publish Date: 2002-01-01
Features: After the financial system reform in China, the operating models of commercial banks have undergone profound changes compared to the planned system in the past. State-owned commercial banks, in particular, have placed greater emphasis on their operational efficiency, thereby also paying more attention to credit management. Credit refers to the business of commercial banks providing financing support to customers based on their needs, following prescribed procedures and requirements, and through the evaluation of customers. Credit management, on the other hand, is the means by which commercial banks identify, assess, manage, monitor, and handle risks in their credit business. Credit management is a crucial component of modern commercial banks' normal operations. This book elaborates on an overview of commercial bank credit management, risk analysis of commercial bank credit business, credit risk management mechanisms of commercial banks, and risk management of corporate working capital loans. Credit refers to the business of commercial banks providing financing support to customers based on their needs, following prescribed procedures and requirements, and through the evaluation of customers. Credit management, on the other hand, is the means by which commercial banks identify, assess, manage, monitor, and handle risks in their credit business. Credit management is a crucial component of modern commercial banks' normal operations. After the financial system reform in China, the operating models of commercial banks have undergone profound changes compared to the planned system in the past. State-owned commercial banks, in particular, have placed greater emphasis on their operational efficiency, thereby also paying more attention to credit management.