This paper analyses two methods of calculating default probability adopted by foreign companies. Then, the paper suggests several methods of calculating loan default probability applicable to commercial banks in China...This paper analyses two methods of calculating default probability adopted by foreign companies. Then, the paper suggests several methods of calculating loan default probability applicable to commercial banks in China, and gives the inadequacy of historic data in China.展开更多
Adjustment of Basle Capital Agreement will influence the risk management and capital arrangement demand of the banks with different scales, operation level and environment. It will have widespread and profound effect ...Adjustment of Basle Capital Agreement will influence the risk management and capital arrangement demand of the banks with different scales, operation level and environment. It will have widespread and profound effect on the competition strength of every country＇s banks in the global market. Starting with illustration of the present cond（tion of risk management in China＇s banks, the paper analyzes the major problems existing in the risk management system of China＇s banking industry, then puts forward some clues and suggestions to improve and better the risk management system of China＇s banking industry.展开更多
Non-Performing Loan （NPL） is one of the concrete embodiments of credit risk which banks take. NPL is a huge puzzle for Chinese commercial banks, so how to enhance risk management to improve assets quality and lower ...Non-Performing Loan （NPL） is one of the concrete embodiments of credit risk which banks take. NPL is a huge puzzle for Chinese commercial banks, so how to enhance risk management to improve assets quality and lower down NPL are of great importance to those banks.展开更多
After reviewing the bad news and corruptions of the higher executives in commercial banks recent years, the article first analyzes the characteristics of all these things, and use game theory to analyzes the actions b...After reviewing the bad news and corruptions of the higher executives in commercial banks recent years, the article first analyzes the characteristics of all these things, and use game theory to analyzes the actions between the higher executives and administrative sections and further construes with cost and benefit utility model, and finally put up some countermeasures.展开更多
Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capita...Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capital management of commercial banks is only just beginning. Especially after the proposed Basel, how to adjust the capital assets of commercial banks is to enable them to comply with Basel II requirements, ensuring stability and development of the banking sector is the China Banking Regulatory Commission and the commercial banks. So, how intensive management can reduce capital occupation to increase the capital adequacy ratio is an important part of the commercial banks that must be studied.展开更多
Call center technology has been widely used in China, including industries of banking, railway, telecommunication, electron, insurance, and so on. But the actual effects and benefits brought by adoption of call center...Call center technology has been widely used in China, including industries of banking, railway, telecommunication, electron, insurance, and so on. But the actual effects and benefits brought by adoption of call center are really poor. This paper analyzes the situation of call center＇s adoption in several major industries in China and also analyzes the existing problems, From the point of view of strategies of enterprises and call center, this paper puts forward a set of strategic and theoretical suggestions for call center development in China.展开更多
With the development of individual consumption credit (ICC) in China, commercial banks have been exposed to more and more risks. The loan failure has been an important problem that the banking must face and revolve. T...With the development of individual consumption credit (ICC) in China, commercial banks have been exposed to more and more risks. The loan failure has been an important problem that the banking must face and revolve. This paper develops a factor system to explain how the borrower's risk is affected, and then establishes a risk monitoring model with AHP to pre-warn the banks how much the risk is.展开更多
According to the Top 1,000 world banks released by the British authoritative magazine The Banker, the profits made by Chinese banking industry in 2011 had accounted for one-third of the global banking profits, and nea...According to the Top 1,000 world banks released by the British authoritative magazine The Banker, the profits made by Chinese banking industry in 2011 had accounted for one-third of the global banking profits, and nearly 100 banks had been included in the Top 1,000 world banks list. This proves that China＇s commercial banks have been standing in the forefront of the world. While achieving such impressive results, China＇s risks and uncertainties due to the constraints of the internal and external environment cannot be ignored. Those risks are mainly about the risks of the over-estimation of the expected return for financial products, the high credit concentration, as well as the seldom use of financially derivative products. Therefore, it is difficult to avoid risks by the portfolio management, which restricts the further improvement of the competitiveness of commercial banks.展开更多
China has built three policy banks since 1994, which are China Development Bank, China Export-import Bank and China Agricultural Development Bank. Policy banks, as an important financial instrument, have made great co...China has built three policy banks since 1994, which are China Development Bank, China Export-import Bank and China Agricultural Development Bank. Policy banks, as an important financial instrument, have made great contributions to the development of China＇ s economy. But there isn＇ t an official law fbr policy banks for a long time. They just operate based on some relevant documents and regulations of their own. However these documents and regulations are always indistinct in law, which is not good for the further development of policy banks and the accomplishment of our country＇ s financial system. As a result, in order to standardize the operation of China＇ s policy banks, it＇ s essential to position policy banks in law accurately, which is also the only way to legalize policy banks. Aiming at finding out the problems existing in policy banks of China in present, this paper analyzes the general theory of policy banks, some relevant international experience and the current situation of law position of china＇ s policy banks. In addition, through the analyses of possible solutions, this paper wishes to reconstruct the legal location of China ＇ s policy banks.展开更多
文摘This paper analyses two methods of calculating default probability adopted by foreign companies. Then, the paper suggests several methods of calculating loan default probability applicable to commercial banks in China, and gives the inadequacy of historic data in China.
文摘Adjustment of Basle Capital Agreement will influence the risk management and capital arrangement demand of the banks with different scales, operation level and environment. It will have widespread and profound effect on the competition strength of every country＇s banks in the global market. Starting with illustration of the present cond（tion of risk management in China＇s banks, the paper analyzes the major problems existing in the risk management system of China＇s banking industry, then puts forward some clues and suggestions to improve and better the risk management system of China＇s banking industry.
文摘Non-Performing Loan （NPL） is one of the concrete embodiments of credit risk which banks take. NPL is a huge puzzle for Chinese commercial banks, so how to enhance risk management to improve assets quality and lower down NPL are of great importance to those banks.
文摘After reviewing the bad news and corruptions of the higher executives in commercial banks recent years, the article first analyzes the characteristics of all these things, and use game theory to analyzes the actions between the higher executives and administrative sections and further construes with cost and benefit utility model, and finally put up some countermeasures.
文摘Since China＇ s accession to WTO, opening up has intensified China＇ s ties with the international financial markets, financial markets have become increasingly frequent. However, with respect to foreign banks, capital management of commercial banks is only just beginning. Especially after the proposed Basel, how to adjust the capital assets of commercial banks is to enable them to comply with Basel II requirements, ensuring stability and development of the banking sector is the China Banking Regulatory Commission and the commercial banks. So, how intensive management can reduce capital occupation to increase the capital adequacy ratio is an important part of the commercial banks that must be studied.
文摘Call center technology has been widely used in China, including industries of banking, railway, telecommunication, electron, insurance, and so on. But the actual effects and benefits brought by adoption of call center are really poor. This paper analyzes the situation of call center＇s adoption in several major industries in China and also analyzes the existing problems, From the point of view of strategies of enterprises and call center, this paper puts forward a set of strategic and theoretical suggestions for call center development in China.
基金This wort wag supported by National Natural Science Fund of China ( 70102007/G0202).
文摘With the development of individual consumption credit (ICC) in China, commercial banks have been exposed to more and more risks. The loan failure has been an important problem that the banking must face and revolve. This paper develops a factor system to explain how the borrower's risk is affected, and then establishes a risk monitoring model with AHP to pre-warn the banks how much the risk is.
文摘According to the Top 1,000 world banks released by the British authoritative magazine The Banker, the profits made by Chinese banking industry in 2011 had accounted for one-third of the global banking profits, and nearly 100 banks had been included in the Top 1,000 world banks list. This proves that China＇s commercial banks have been standing in the forefront of the world. While achieving such impressive results, China＇s risks and uncertainties due to the constraints of the internal and external environment cannot be ignored. Those risks are mainly about the risks of the over-estimation of the expected return for financial products, the high credit concentration, as well as the seldom use of financially derivative products. Therefore, it is difficult to avoid risks by the portfolio management, which restricts the further improvement of the competitiveness of commercial banks.
文摘China has built three policy banks since 1994, which are China Development Bank, China Export-import Bank and China Agricultural Development Bank. Policy banks, as an important financial instrument, have made great contributions to the development of China＇ s economy. But there isn＇ t an official law fbr policy banks for a long time. They just operate based on some relevant documents and regulations of their own. However these documents and regulations are always indistinct in law, which is not good for the further development of policy banks and the accomplishment of our country＇ s financial system. As a result, in order to standardize the operation of China＇ s policy banks, it＇ s essential to position policy banks in law accurately, which is also the only way to legalize policy banks. Aiming at finding out the problems existing in policy banks of China in present, this paper analyzes the general theory of policy banks, some relevant international experience and the current situation of law position of china＇ s policy banks. In addition, through the analyses of possible solutions, this paper wishes to reconstruct the legal location of China ＇ s policy banks.
