At present, the problem loan of up to one trillion yuan is the biggest risk of Chinese banks, which threatens the already fragile domestic financial system all the time and becomes the lingering shadow of China banking industry and even the whole financial system. At the same time, many commercial banks have a superficial understanding of problem loans, and even don't realize the seriousness of the problem. Facing the full opening of domestic financial industry, how to improve the ability of Chinese banks to prevent, handle and solve problem loans has become a top priority for domestic banks.
Risk is the main reason for the bank's problem loans. According to Basel Accord, risks can be divided into market risk, credit risk and operational risk. This book discusses the present situation, characteristics and solutions of problem loans around these three risks.
This book is divided into two parts: cognitive part and practical part. The understanding chapter mainly answers what is the problem loan, the reasons for the formation of the problem loan and the classification of the problem loan. Practice provides a series of practical methods to solve the problem of loans.
This book can be used as a guide manual for credit and risk managers and operators of commercial banks, especially small and medium-sized banks, and can also be used as a reference teaching material for bank staff training. In addition, interested readers can also use this book as a reference book to understand and study problem loans.
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Brief introduction of the author
Gu, Associate Professor, Master of Economics, Certified Public Accountant in China, Certified Asset Appraiser in China, Economist (Finance), works in School of Management, University of Shanghai for Science and Technology. Main research fields: financial theory and practice (loan risk management, off-balance sheet business management, bank audit, venture capital management and bank stability research, etc.). ), accounting, auditing, corporate and personal financial management and asset evaluation. He has published more than 20 papers in Accounting Monthly, Accounting Newsletter, Finance and Economics Series, Friends of Accounting, Guangxi Accounting and China Zhu Peng Accountant.
In China, it is proposed to study the stability of banks from the perspective of individual banks, and an open and flexible bank stability measurement system is constructed. Take the lead in systematically demonstrating and constructing the audit supervision system of asset appraisal projects; The efficiency coefficient method is used for the first time to create a financial early warning method with correct rate and practicability recognized by academic circles. For the first time, this paper makes an empirical study on the universality and seriousness of the phenomenon that listed companies in China whitewash their financial statements by changing the scope of merger. There are many innovations in academic research, especially interdisciplinary and compound research.
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Editor's recommendation
Risk is the main reason for the bank's problem loans. According to Basel Accord, risks can be divided into market risk, credit risk and operational risk. This book discusses the present situation, characteristics and solutions of problem loans around these three risks. This book is suitable for the staff of commercial banks to learn.
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catalogue
The first part is to understand the article.
Chapter 1 Understanding Problem Loans
Section 1 What is a problem loan
First, the meaning of the problem loan
Second, the characteristics of problem loans
Case1-1Changzhou "Sticker"-Bank "Sticker" Project
……
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