国际交流学院学期论文.docx

1、国际交流学院学期论文国际交流学院学期论文School of International Exchange Niels Brock Copenhagen Business CollegeSemester Project Work 学年/Academic Year: 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： How to improve credit card risk management for ICBC Bank in Shanghai？专业/Major：国际金融/International Finance 姓名/学号： 刘鸯 20091

2、75402 陆张雁 2009175408，邓婕2009175431，王鹏程 2009175439 Name/ Student No.： Candice 2009175402 , Icy 2009175408 , Lora 2009175431 , Muller 2009175439 指导老师/Guidance Teacher： Zhan Jun List of contents1.Introduction: 31.1 Background 31.2 ICBC Bank 31.3 Issues: 42. Problem statement 43. Demarcation 54. Methodol

3、ogy 55.Summary 5Chapter 2: Analysis 62.1The classification of credit risk 62.2 The internal reasons 62.3 The external reasons 62.4The loophole in the whole process system of credit business. 72.5 SWOT 71. Strengths 72. Weaknesses 83. Opportunities 84. Threats 92.6 Questionnaire: 9Chapter 3: The inte

4、rnal measures of the credit risk in ICBC bank. 123.1 Personnel measures 121. Improve the personnel quality in credit business 122. Improve the credit audit institutions. 133.2 Construction ofthe internal system 133.3 Establishing risk early-warning mechanism 133.4 Establish the bad loans disposal sy

5、stem. 14Chapter 4：The external measures of credit risk in ICBC Bank 144.1 Self-development of financial market 141. Improve the financial market system 142. Establishment of the Deposit Insurance System 154.2 Construction of the government 151. Regulate governments behavior 152. To speed upthe pace

6、ofSOE reform 164.3 The Macro Credit Environment 17Chapter 5：Conclusion 19Information sources 19Topic: How to improve credit card risk management for ICBC Bank in Shanghai1. Introduction:1.1 BackgroundIn recent years, with economic development rapidly and opening thoroughly, the credit card in our co

7、untry growth rapidly either. Commercial banks take credit card business more and more seriously. Foreign banks also intervene credit card business in different ways. The competition began to fierce gradually. The regional competition becomes outstandingly.As a modern payment tool, credit card itself

8、 contains certain risk. How to prevent and dissolve the credit cards effectively in business risk and reduce it go loss, promoting the development of the credit card business healthy, has become an important issue for the organization. Now we talk to a credit card of risks.1.2 ICBC BankICBC has the

9、most varieties of credit cards in China. Now they have: Peony credit card, Peony international credit card; According to the brand, they have: Peony master card and Peony express; According to credit rating it can be divided into: the platinum card, the gold card and classic card, According to the o

10、bject it can be divided into business card and personal card which the individual cards divided into primarily card and vice card. 1.3 Issues:At present, credit risk is one the major restrictions to the development of Chinas state-owned commercial banks. Among all the risks are insecure credit asset

11、s, a large amount and high proportion of non-performing loans. Those loans, if irrecoverable, will become bad debts and banks losses. It has been proved in practice that a high percentage of non-performing loans is the most dangerous factor of bank run. A good example is none other than the bank cor

12、ruption caused by subprime crisis. A lesson learnt from the experience home and abroad is that precaution against credit crisis is of key important for state-owned commercial banks to survive and develop.From credit card business starting in our country in 2003 to today, the number of the credit car

13、ds growth by 80% every year. At the end of May of 2008, the total number of credit cards in China has increased to more than 1.1 billion. However, behind huge number, there are much “bubble”, take money maliciously, dont return the loans, the black intermediary for make credit card, cash out or some

14、 other phenomenon cant be stopped. In recent years, some international credit cards crimes have appeared in China either. When these risks have gathered and break out, it will affect more than one or two issuers, or the countrys financial system, even the level of economic development and social sta

15、bility. 2. Problem statementWhy we choose this problem？According to the ICBCs report of the third quarter in 2010. We find that there are 79.21 billion RMB havent been returned over six months. It is 6.19 billion higher than the second quarter, increased by 8.5%. Compare with report of 2009, it has

16、been increased by 0.5%. So, the most serious problem in ICBC bank of Shanghai is its credit risk. They must have some methods to solve it.Above all, it is very important for ICBC to solve the credit risk. They should have some good methods to research this. What caused the credit risk? Why the credi

17、t risk is such serious? What the ICBC bank can do to deal with the credit risk?3. DemarcationWe will choose the time from 2005-2010, use ICBC bank in Shanghai as an example.4. MethodologyFirst, we will analyze the environment of the ICBC bank.Second, we will analyze the internal and external reason

18、of the credit risk.Third, we will use SWOT to analyze it.5. Summary From the 2010 report of ICBC, we find that the most important problem is the credit risk. And we find three methods to solve it.1. Make the risk policy and the system more perfect.2. Position every job of the credit business and imp

19、rove the process.3. Make the policy to manage the overdraw money.Chapter 2: Analysis2.1The classification of credit riskThe credit risk can be distinguished into 2 main types: market risk and non-market risk. The market risk is caused by enterprises production and sales risk; the non-market risk is

20、main caused by nature and society risk.2.2 The internal reasonsThe credit risk is possibility of loss of bank credit assets. There are such reasons:1. The credit management system is not perfect. 2. The way of credit management is backward. 3. Recently, the quality of the people working in bank is n

21、ot very high. 4. There is something wrong with the ideology. 5. It is the problem of the employees moral quality. 6. The system of incentive and constraint credit risk management has been failure.2.3 The external reasons1. The malicious ACTS of enterprises and individuals take the risk2. The risk co

22、mes from the financial policy3. The information supplied by the external credit certification institution is not correct.4. Government and enterprises havent been divided clearly.5. External competition lead to increased risk. 6. The supervision system of external bank2.4The loophole in the whole pr

23、ocess system of credit business.1. The system is not perfect before you making loans.2. The system and program of credit examination is backward.3. The management of after loans is failed to work.2.5 SWOT1. Strengths1. ICBC bank has been developed for many years, the various businesses improved quic

24、kly. The level of modernization and risk management increased rapidly. 2. The institutions layout of ICBC bank is more perfect. The theory of taking the market as the guidance and taking the customer as the center has been improved. The level of customer management has been increased. This is good f

25、or ICBC bank to understand markets demand and the customers demand. 3. AS the ICBC bank is in China, it understanding of environmental protection laws and regulations is better than some banks come from overseas. It has more channels to get the information. Facing the environmental policy fuzzy and

26、local protectionism, ICBC bank is easier to communicate with local government and avoid their own interest loss.2. Weaknesses1. The credit person cant meet the need of the credit project implementation and environmental risk assessment. It restricted the credit business development seriously. In add

27、ition, there is lack of the policy to promote credit business.2. At present, the credit business standards ICBC bank is comprehensive , principled, lack of specific green credit guidance and the environment risk rating standard, it is difficult for the ICBC banks to establish relevant regulatory mea

28、sures and Internal implementation rules. 3. The ICBC bank is lack of green credit relevant professional technology, products and services. The technical feasibility, energy saving energy, industrial policy and technical standards are not familiar with determination. The green finance products and se

29、rvices are less. 3. Opportunities1. The development of Chinas credit market is prospect and have a huge financial needs and profit opportunities. Now the ICBC bank began credit business can improve the economic in china and also can promote the transformation of commercial bank management strategy.

30、2. The concept of sustainable has developed popular all over the world, sustainable and development with the other countries, cooperation and exchanges will make Chinas economic become increasingly frequent. Currently, Chinas environmental management ability has improved, the environmental law enfor

31、cement efforts have added strong, the whole social environmental awareness and participation obviously improved, market mechanism also began to enter into the environment, these provide for our green credit macroeconomic demand and favorable environment. 4. Threats1. International financial competit

32、ion. At present the international commercial banks come to China have already implement green credit for years. Through the rich project operation management experience, they are the ICBC Banks credit business target customers contenders. 2. The rejection of the regional protection.When promoting the investment, the local protects socialist the GDP high only and let the enterprise with green credit project constitutes unfair