柬埔寨ACLEDA银行的信用风险管理研究

发布时间：2024-02-18 08:19

　　在金融市场中,信用风险是存在的最普遍的风险也是金融机构面临的重大风险之一。ACLEDA银行的信用风险管理主要目标是在可接受的范围内控制风险,并且满足监管要求。信用风险管理一直是政府,监管机构和金融机构关注的焦点。因此,本文将分析ACLEDA银行信用风险管理的重要性,并尝试提供一些可能解决问题的方案,并制定一个信用风险管理的实施方案,以应对同一家银行所面临的挑战。信用风险管理是对违约贷款偿还中可能出现的风险进行识别、衡量、监控和控制的指南。研究者大量的研究发展并记录了金融机构内部信用风险管理的关键优势。本研究将首先简要介绍柬埔寨的金融和银行系统,以及所选商业银行所需的相关信息。它有四个具体的研究目标。首先,通过与银行相关人员的访谈,确定了ACLEDA银行面临的主要挑战在贷款方面。其次,作为柬埔寨规模最大、运营良好的银行,ACLEDA银行试图研究在同一银行的信用风险管理的现行做法。此外,还提出了一些信用风险管理的解决方案。最后,将提出可行的信用风险管理实施计划的建议,这将会帮助ACLEDA银行战胜挑战并改善其信用风险管理的实践。在本研究中,通过定性分析和访谈确定有助于推行信用风险管理的关键...

【文章页数】：110 页

【学位级别】：硕士

【文章目录】：
Acknowledgements
摘要
Abstract
Chapter One Introduction
    1.1 Research Background, Purpose and Significance
        1.1.1 Research Background
        1.1.2 Research Purpose
        1.1.3 Research Significance
    1.2 Domestic and Foreign Literature Review on Similar Topics
        1.2.1 Domestic Literature Review
        1.2.2 Foreign Literature Review
    1.3 Research Contents and Questions
        1.3.1 Research Questions
        1.3.2 Research Structure
    1.4 Research Methodologies and Innovations
        1.4.1 Research Methodologies
        1.4.2 Innovations
Chapter Two Theoretical Framework
    2.1 Credit Analysis: 5 C’s Method
        2.1.1 Character Analysis
        2.1.2 Condition Analysis
        2.1.3 Capacity Analysis
        2.1.4 Collateral Analysis
        2.1.5 Capital Analysis
    2.2 Internal Credit Rating Method
    2.3 Financial Evaluation Method
        2.3.1 Financial Ratio Analysis
        2.3.2 Profitability Ratio Analysis
Chapter Three ACLEDA Bank Plc. Internal and External Environment Analysis
    3.1 Overview of ACLEDA Bank Plc
        3.1.1 Company Profile
            3.1.1.1 History
            3.1.1.2 Vision, Mission and Slogan
            3.1.1.3 Organizational Structure
        3.1.2 Current Situation
            3.1.2.1 Branch Network
            3.1.2.2 Achievement
            3.1.2.3 Expansion Strategy and Future Development Plan
        3.1.3 Overview of Customer base and Market Share
    3.2 Macro Environmental Analysis: PESTEL Analysis
        3.2.1 Political Factors
        3.2.2 Economic Factors
        3.2.3 Social Factors
        3.2.4 Technological Factors
        3.2.5 Environmental Factors
        3.2.6 Legal Factors
    3.3 Micro Environmental Analysis: SWOT Analysis
        3.3.1 Strength
        3.3.2 Weakness
        3.3.3 Opportunity
        3.3.4 Threat
    3.4 Competitor Analysis
Chapter Four the Existing Practices and Challenges on Credit Risk Management in ACLEDA BankPlc
    4.1 Overview of Credit Risk Management in the Bank
        4.1.1 The Main Causes of Credit Risk
        4.1.2 Provisioning
    4.2 ACLEDA Bank Plc. Credit Procedure and Policy
        4.2.1 Loan size
        4.2.2 Assets secured credit (Collateral)
        4.2.3 Paying Method
        4.2.4 Clients Qualification
        4.2.5 Loan Assessment Procedure
        4.2.6 Approval authority
        4.2.7 Credit Monitoring
    4.3 Credit Risk Management Approaches
        4.3.1 Financial Ratio Analysis
        4.3.2 5 C's Analysis
        4.3.3 Internal Credit Rating Approach
    4.4 Credit Risk Management Implementations Procedure
        4.4.1 Risk Identification
        4.4.2 Risk Measuring
        4.4.3 Risk Controlling
        4.4.4 Risk Monitoring
    4.5 Key Challenges
        4.5.1 Internal Challenges
            4.5.1.1 The Recklessness of Staffs in Credit Analysis
            4.5.1.2 Fraud and Commission
        4.5.2 External Challenges
            4.5.2.1 Market Instability
            4.5.2.2 The Effect of Nepotism
Chapter Five Solutions Suggestion
    5.1 Department Restriction
        5.1.1 Credit Approval Department
        5.1.2 Credit Control and Audit Department
    5.2 Improving Legal Department
        5.2.1 Decentralization of Legal Department
        5.2.2 Strengthening Legal Department
    5.3 Calculating New Credit Culture
        5.3.1 Promotion
        5.3.2 Training
        5.3.3 Punishment
    5.4 Credit Limitation
Chapter Six Implementation Plans
    6.1 Management System Support
    6.2 Human Resources Support
        6.2.1 Sufficiency and Effective Training
        6.2.2 Enhancing Staffs’ Intrinsic Motivation
    6.3 Technological Support
        6.3.1Risk Management Technology
        6.3.2 Information systems and analytical techniques
Chapter Seven Conclusions
    7.1 Conclusions
    7.2 Research Limitations
    7.3 Direction for Further Research
References
Appendix



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