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澳洲硕士毕业论文-信贷管理的重要性和意义

论文作者:www.51lunwen.org论文属性:硕士毕业论文 dissertation登出时间:2015-05-07编辑:felicia点击率:7834

论文字数:10624论文编号:org201505042248369237语种:英语论文 English地区:澳大利亚价格:免费论文

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摘要:经济的不断发展,推动了投资理财行业的快速腾飞,本文简要阐述了信贷管理的重要性,旨在提供大家对风险投资的正确认知。

信贷是比较复杂的经济现象,存在一定的操作风险,Frontier Provincial Cooperative Bank Ltd曾经是一个盈利机构,但是借贷的很多公司资产负债表上有明显的不良贷款,银行对此必须进行清算,清算人由政府任命,但是后来政府拒绝了这个提议,要求财务部注入资金为其复兴。违反信贷政策,没有适当的抵押贷款评估,文档错误等因素导致不良贷款的增加。操作风险也是极为重要的元素,会影响组织的业务。本文对信贷其经济风险进行分析,希望引起大家的注意。


ABSTRACT


The project will elaborate the Credit and Operation Risk Management Policies of Frontier Provincial Cooperative Bank Ltd. The said Bank was once a profitable institution and used to finance agriculture sector. The bank has many non performing loans on its balance sheet. The said Bank was in the state of Liquidation months back. Liquidator was appointed by the Government but later Government has rejected the proposal of Liquidation. Provincial Assembly has asked the Finance department to inject funds in the bank for its revival. Bank has got Fund of PKR 1 Bn and now is in the phase of revival. The violation of credit policy and not having proper mortgage Assessment and documentation has led to increase in the NPLs. The operations risk is the other element that can impact the business of the organization.


We have consulted Primary and Secondary sources to achieve the desired results to be suggested. We have analyzed various possible options during study which address the mentioned issues. 5 Cs of Credit, Heat Map, Key Risk Indicators and criteria for mortgage Assessment are among the possible options. We have suggested the Bank about credit risk management department, models to address credit risk, operational risk, and developed criteria for the better documentation and assessment of asset as collateral.


Chapter # 1: Introduction


1.1) Background of Problem


Credit risk is the risk of counterparty to default on periodic interest payments and/or on the principal amount of the loan. Most of the banks face this sort of problem that leads the bank to default or in other terms going bankrupt. Because of the inability to recover the amount from the debtors they face liquidity shortage which lead the creditors, depositors and shareholders to rush to the bank to get their money back. But due to shortage of money with them they could not meet the obligations that result the Bank to the final step of getting liquidated. That is where government intervene either on request or to save its institutions.


The problem originates when Bank manager or the credit advancing authority at bank, advanced loans without assessing credit risk, credit rating and other similar criteria of the counterparty to save itself from NPLs. Most of the banks have their own policies, rules, and regulations and even they have their own Risk Management Departments. The bank under discussion does not even have a proper management and experienced professionals at top positions.


Always in the history of Pakistan we have been gone through very bad experiences while giving chance to the previous corrupt Political Party or to the Current one for the next term. That created a lot of transparency issues in our Executive, Legislative and even in Judiciary. Using a political source a non-professional was hired on the post, where only a professional of the field could head the o论文英语论文网提供整理,提供论文代写英语论文代写代写论文代写英语论文代写留学生论文代写英文论文留学生论文代写相关核心关键词搜索。

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