国际交流学院学期论文.docx

国际交流学院学期论文.docx

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国际交流学院学期论文

国际交流学院学期论文

SchoolofInternationalExchange

NielsBrockCopenhagenBusinessCollege

SemesterProjectWork

学年/AcademicYear:

2011-2012-01

论文题目：

如何改善中国工商银行上海分行信用卡的风险管理？

Title：

HowtoimprovecreditcardriskmanagementforICBCBankinShanghai？

专业/Major：

国际金融/InternationalFinance

姓名/学号：

刘鸯2009175402陆张雁2009175408，邓婕2009175431，王鹏程2009175439

Name/StudentNo.：

Candice2009175402,Icy2009175408,Lora2009175431,Muller2009175439

指导老师/GuidanceTeacher：

ZhanJun

Listofcontents

1.Introduction:

3

1.1Background3

1.2ICBCBank3

1.3Issues:

4

2.Problemstatement4

3.Demarcation5

4.Methodology5

5.Summary5

Chapter2:

Analysis6

2.1Theclassificationofcreditrisk6

2.2Theinternalreasons6

2.3Theexternalreasons6

2.4Theloopholeinthewholeprocesssystemofcreditbusiness.7

2.5SWOT7

1.Strengths7

2.Weaknesses8

3.Opportunities8

4.Threats9

2.6Questionnaire:

9

Chapter3:

TheinternalmeasuresofthecreditriskinICBCbank.12

3.1Personnelmeasures12

1.Improvethepersonnelqualityincreditbusiness12

2.Improvethecreditauditinstitutions.13

3.2Constructionof theinternalsystem13

3.3Establishingriskearly-warningmechanism13

3.4Establishthebadloansdisposalsystem.14

Chapter4：

TheexternalmeasuresofcreditriskinICBCBank14

4.1Self-developmentoffinancialmarket14

1.Improvethefinancialmarketsystem14

2.EstablishmentoftheDepositInsuranceSystem15

4.2Constructionofthegovernment15

1.Regulategovernment’sbehavior15

2.Tospeedup thepaceof SOEreform16

4.3TheMacroCreditEnvironment17

Chapter5：

Conclusion19

Informationsources19

Topic:

HowtoimprovecreditcardriskmanagementforICBCBankinShanghai

1.Introduction:

1.1Background

Inrecentyears,witheconomicdevelopmentrapidlyandopeningthoroughly,thecreditcardinourcountrygrowthrapidlyeither.Commercialbankstakecreditcardbusinessmoreandmoreseriously.Foreignbanksalsointervenecreditcardbusinessindifferentways.Thecompetitionbegantofiercegradually.Theregionalcompetitionbecomesoutstandingly.

Asamodernpaymenttool,creditcarditselfcontainscertainrisk.Howtopreventanddissolvethecreditcardseffectivelyinbusinessriskandreduceitgoloss,promotingthedevelopmentofthecreditcardbusinesshealthy,hasbecomeanimportantissuefortheorganization.Nowwetalktoacreditcardofrisks.

1.2ICBCBank

ICBChasthemostvarietiesofcreditcardsinChina.Nowtheyhave:

Peonycreditcard,Peonyinternationalcreditcard;Accordingtothebrand,theyhave:

PeonymastercardandPeonyexpress;Accordingtocreditratingitcanbedividedinto:

theplatinumcard,thegoldcardandclassiccard,Accordingtotheobjectitcanbedividedintobusinesscardandpersonalcardwhichtheindividualcardsdividedintoprimarilycardandvicecard.

1.3Issues:

Atpresent,creditriskisonethemajorrestrictionstothedevelopmentofChina’sstate-ownedcommercialbanks.Amongalltherisksareinsecurecreditassets,alargeamountandhighproportionofnon-performingloans.Thoseloans,ifirrecoverable,willbecomebaddebtsandbanks’losses.Ithasbeenprovedinpracticethatahighpercentageofnon-performingloansisthemostdangerousfactorofbankrun.Agoodexampleisnoneotherthanthebankcorruptioncausedbysubprimecrisis.Alessonlearntfromtheexperiencehomeandabroadisthatprecautionagainstcreditcrisisisofkeyimportantforstate-ownedcommercialbankstosurviveanddevelop.

Fromcreditcardbusinessstartinginourcountryin2003totoday,thenumberofthecreditcardsgrowthby80%everyyear.AttheendofMayof2008,thetotalnumberofcreditcardsinChinahasincreasedtomorethan1.1billion.However,behindhugenumber,therearemuch“bubble”,takemoneymaliciously,don’treturntheloans,theblackintermediaryformakecreditcard,cashoutorsomeotherphenomenoncan’tbestopped.Inrecentyears,someinternationalcreditcardscrimeshaveappearedinChinaeither.Whentheseriskshavegatheredandbreakout,itwillaffectmorethanoneortwoissuers,orthecountry'sfinancialsystem,eventhelevelofeconomicdevelopmentandsocialstability.

2.Problemstatement

Whywechoosethisproblem？

AccordingtotheICBC’sreportofthethirdquarterin2010.Wefindthatthereare79.21billionRMBhaven’tbeenreturnedoversixmonths.Itis6.19billionhigherthanthesecondquarter,increasedby8.5%.Comparewithreportof2009,ithasbeenincreasedby0.5%.So,themostseriousprobleminICBCbankofShanghaiisitscreditrisk.Theymusthavesomemethodstosolveit.

Aboveall,itisveryimportantforICBCtosolvethecreditrisk.Theyshouldhavesomegoodmethodstoresearchthis.

●Whatcausedthecreditrisk?

●Whythecreditriskissuchserious?

●WhattheICBCbankcandotodealwiththecreditrisk?

3.Demarcation

Wewillchoosethetimefrom2005-2010,useICBCbankinShanghaiasanexample.

4.Methodology

First,wewillanalyzetheenvironmentoftheICBCbank.

Second,wewillanalyzetheinternalandexternalreasonofthecreditrisk.

Third,wewilluseSWOTtoanalyzeit.

5.Summary

Fromthe2010reportofICBC,wefindthatthemostimportantproblemisthecreditrisk.Andwefindthreemethodstosolveit.

1.Maketheriskpolicyandthesystemmoreperfect.

2.Positioneveryjobofthecreditbusinessandimprovetheprocess.

3.Makethepolicytomanagetheoverdrawmoney.

Chapter2:

Analysis

2.1Theclassificationofcreditrisk

Thecreditriskcanbedistinguishedinto2maintypes:

marketriskandnon-marketrisk.Themarketriskiscausedbyenterprises’productionandsalesrisk;thenon-marketriskismaincausedbynatureandsocietyrisk.

2.2Theinternalreasons

Thecreditriskispossibilityoflossofbankcreditassets.Therearesuchreasons:

1.Thecreditmanagementsystemisnotperfect.

2.Thewayofcreditmanagementisbackward.

3.Recently,thequalityofthepeopleworkinginbankisnotveryhigh.

4.Thereissomethingwrongwiththeideology.

5.Itistheproblemoftheemployees’moralquality.

6.Thesystemofincentiveandconstraintcreditriskmanagementhasbeenfailure.

2.3Theexternalreasons

1.ThemaliciousACTSofenterprisesandindividualstaketherisk

2.Theriskcomesfromthefinancialpolicy

3.Theinformationsuppliedbytheexternalcreditcertificationinstitutionisnotcorrect.

4.Governmentandenterpriseshaven’tbeendividedclearly.

5.Externalcompetitionleadtoincreasedrisk.

6.Thesupervisionsystemofexternalbank

2.4Theloopholeinthewholeprocesssystemofcreditbusiness.

1.Thesystemisnotperfectbeforeyoumakingloans.

2.Thesystemandprogramofcreditexaminationisbackward.

3.Themanagementofafterloansisfailedtowork.

2.5SWOT

1.Strengths

1.ICBCbankhasbeendevelopedformanyyears,thevariousbusinessesimprovedquickly.Thelevelofmodernizationandriskmanagementincreasedrapidly.

2.TheinstitutionslayoutofICBCbankismoreperfect.Thetheoryoftakingthemarketastheguidanceandtakingthecustomerasthecenterhasbeenimproved.Thelevelofcustomermanagementhasbeenincreased.ThisisgoodforICBCbanktounderstandmarkets’demandandthecustomers’demand.

3.AStheICBCbankisinChina,itunderstandingofenvironmentalprotectionlawsandregulationsisbetterthansomebankscomefromoverseas.Ithasmorechannelstogettheinformation.Facingtheenvironmentalpolicyfuzzyandlocalprotectionism,ICBCbankiseasiertocommunicatewithlocalgovernmentandavoidtheirowninterestloss.

2.Weaknesses

1.Thecreditpersoncan'tmeettheneedofthecreditprojectimplementationandenvironmentalriskassessment.Itrestrictedthecreditbusinessdevelopmentseriously.Inaddition,thereislackofthepolicytopromotecreditbusiness.

2.Atpresent,thecreditbusinessstandardsICBCbankiscomprehensive,principled,lackofspecificgreencreditguidanceandtheenvironmentriskratingstandard,itisdifficultfortheICBCbankstoestablishrelevantregulatorymeasuresandInternalimplementationrules.

3.TheICBCbankislackofgreencreditrelevantprofessionaltechnology,productsandservices.Thetechnicalfeasibility,energysavingenergy,industrialpolicyandtechnicalstandardsarenotfamiliarwithdetermination.Thegreenfinanceproductsandservicesareless.

3.Opportunities

1.ThedevelopmentofChina'screditmarketisprospectandhaveahugefinancialneedsandprofitopportunities.NowtheICBCbankbegancreditbusinesscanimprovetheeconomicinchinaandalsocanpromotethetransformationofcommercialbankmanagementstrategy.

2.Theconceptofsustainablehasdevelopedpopularallovertheworld,sustainableanddevelopmentwiththeothercountries,cooperationandexchangeswillmakeChina’seconomicbecomeincreasinglyfrequent.Currently,China'senvironmentalmanagementabilityhasimproved,theenvironmentallawenforcementeffortshaveaddedstrong,thewholesocialenvironmentalawarenessandparticipationobviouslyimproved,marketmechanismalsobegantoenterintotheenvironment,theseprovideforourgreencreditmacroeconomicdemandandfavorableenvironment.

4.Threats

1.Internationalfinancialcompetition.

AtpresenttheinternationalcommercialbankscometoChinahavealreadyimplementgreencreditforyears.Throughtherichprojectoperationmanagementexperience,theyaretheICBCBank’screditbusinesstargetcustomerscontenders.

2.Therejectionoftheregionalprotection.

Whenpromotingtheinvestment,thelocalprotectssocialisttheGDPhighonlyandlettheenterprisewithgreencreditprojectconstitutesunfair