Problem Loans - Causes. Identification. Supervision

Author: Gu Xia'an/Lu Lei (editors)
Publisher:
Publish Date: 2006-02-01
Features: The issue loan problem of up to trillion is currently the biggest risk for China's banks, constantly threatening the already fragile domestic financial system, becoming an inescapable shadow over China's banking industry and the entire financial system. Meanwhile, many commercial banks have a rather superficial understanding of issue loans, and some have not even realized the severity of the problem. With the comprehensive opening of the domestic financial industry, how to improve the ability of Chinese banks to prevent, handle, and resolve issue loans has become an urgent task for the domestic banking industry. Risk is the main cause of issue loans in banks. According to the Basel Agreement, risks can be divided into market risk, credit risk, and operational risk. This book discusses the current status, characteristics, and solutions for issue loans around these three types of risks. The book is divided into two parts: the Awareness Part and the Practical Part. The Awareness Part primarily addresses what issue loans are, the causes of issue loans, and the classification of issue loans. The Practical Part provides a series of practical operational methods for resolving issue loans. This book can serve as a guide for credit, risk management personnel, and operational staff in commercial banks, especially small and medium-sized banks. It can also be used as a reference textbook for bank employee training. Additionally, readers interested in the topic can use this book as a reference for understanding and researching issue loans.