在金融市場(chǎng)中,信用風(fēng)險(xiǎn)是存在的最普遍的風(fēng)險(xiǎn)也是金融機(jī)構(gòu)面臨的重大風(fēng)險(xiǎn)之一。ACLEDA銀行的信用風(fēng)險(xiǎn)管理主要目標(biāo)是在可接受的范圍內(nèi)控制風(fēng)險(xiǎn),并且滿足監(jiān)管要求。信用風(fēng)險(xiǎn)管理一直是政府,監(jiān)管機(jī)構(gòu)和金融機(jī)構(gòu)關(guān)注的焦點(diǎn)。因此,本文將分析ACLEDA銀行信用風(fēng)險(xiǎn)管理的重要性,并嘗試提供一些可能解決問題的方案,并制定一個(gè)信用風(fēng)險(xiǎn)管理的實(shí)施方案,以應(yīng)對(duì)同一家銀行所面臨的挑戰(zhàn)。信用風(fēng)險(xiǎn)管理是對(duì)違約貸款償還中可能出現(xiàn)的風(fēng)險(xiǎn)進(jìn)行識(shí)別、衡量、監(jiān)控和控制的指南。研究者大量的研究發(fā)展并記錄了金融機(jī)構(gòu)內(nèi)部信用風(fēng)險(xiǎn)管理的關(guān)鍵優(yōu)勢(shì)。本研究將首先簡(jiǎn)要介紹柬埔寨的金融和銀行系統(tǒng),以及所選商業(yè)銀行所需的相關(guān)信息。它有四個(gè)具體的研究目標(biāo)。首先,通過與銀行相關(guān)人員的訪談,確定了ACLEDA銀行面臨的主要挑戰(zhàn)在貸款方面。其次,作為柬埔寨規(guī)模最大、運(yùn)營(yíng)良好的銀行,ACLEDA銀行試圖研究在同一銀行的信用風(fēng)險(xiǎn)管理的現(xiàn)行做法。此外,還提出了一些信用風(fēng)險(xiǎn)管理的解決方案。最后,將提出可行的信用風(fēng)險(xiǎn)管理實(shí)施計(jì)劃的建議,這將會(huì)幫助ACLEDA銀行戰(zhàn)勝挑戰(zhàn)并改善其信用風(fēng)險(xiǎn)管理的實(shí)踐。在本研究中,通過定性分析和訪談確定有助于推行信用風(fēng)險(xiǎn)管理的關(guān)鍵...

【文章頁(yè)數(shù)】：110 頁(yè)

【學(xué)位級(jí)別】：碩士

【文章目錄】：
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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