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Credit Risk Management in the Comoros Banking System

作　者: 马娣（WAHEEDA MADI）
导　师: 熊勇清
学　校: 中南大学
专　业: 工商管理
关键词: Comoros Credit Risk Management Banking sector Saving Deposit Fund
分类号: F832.33
类　型: 硕士论文
年　份: 2012年
下　载: 8次
引　用: 0次
阅　读: 论文下载

内容摘要

银行业在科摩罗取得了前所未有的快速发展,过去六年里新的银行和金融机构从三个增加到九个。银行业的扩张应当在稳定的金融环境得到控制和评估。由于不具备涵盖风险的必要的银行业标准,银行业给科摩罗带来了巨大的风险。这个事件加强了银行开发、维护和更新他们的风险管理框架的重要性。风险和风险管理在任何商业业务中都发挥着重要作用,但对于银行业却显得更为重要。银行面临的任何问题都会直接或间接地影响到它的客户和所有与银行相连的事物。因此,银行需要确保所有的风险都得到良好的管理。本研究旨在分析银行业面临的主要信贷风险以及应对这些风险的战略建议。例如,为了减少银行的信贷风险,贷款人可以进行准借款人的信用调查,可以要求借款人出具适当的担保,如抵押贷款或者寻求第三方的担保,或者其他可能的策略。总的来说,风险越高,要求债务人支付债务的利率也越高。因此,科摩罗中央银行应优化银行和金融机构的发展、稳定和安全性,包括分散的金融机构,从而提出工作建议。

全文目录

ABSTRACT  5-6
中文摘要  6-11
LIST OF ABREVIATIONS AND ACRONOMY  11-12
CHAPTER ONE:INTRODUCTION  12-17
  1.1 Background  12-14
  1.2 Aim of the Thesis  14-15
  1.3 Significance and Objective of the Research  15-17
CHAPTER TWO:EVOLUTION OF MAIN INDICATORS OF BANKING SECTOR INCOMOROS  17-23
  2.1 Importance of Banks  17
  2.2 Evolution of the Savings Deposit  17-19
  2.3 Evolution of Credits to the Economy of Comoros  19-21
  2.4 The Cash On Deposit  21
  2.5 Market Share  21-23
CHAPTER THREE:CONTROL OF FUNDS BY THE CENTRAL BANK OF COMOROS  23-30
  3.1 Supervision of Banks and Financial Institutions  23-24
  3.2 Credit Control  24-25
  3.3 Regulations  25-26
  3.4 The Comorian Banking law  26-27
  3.5 Safety  27-30
CHAPTER FOUR:CREDIT RISK MANAGEMENT IN COMOROS  30-40
  4.1 Description of Credit Risk Management  30-31
    4.1.1 A History of Credit Distribution in Comoros  30
    4.1.2 Productive Credits  30-31
    4.1.3 Case for the financing of Small and Medium Enterprises (SMEs)  31
  4.2 Credits In Comoros  31-33
    4.2.1 Credits By Sector  31-32
    4.2.2 Credits by Maturity  32-33
  4.3 Risk Analysis of Credit  33-40
    4.3.1 Banking Risks  33
    4.3.2 Typology of Risks  33-37
      4.3.2.1 Credit Risk  34
      4.3.2.2 Country Risk  34-35
      4.3.2.3 Market Risk  35
      4.3.2.4 Interest Rate Risk  35
      4.3.2.5 Liquidity Risk  35-36
      4.3.2.6 Operational Risk  36-37
    4.3.3 Mechanisms of Risk Management  37-38
      4.3.3.1 Risk Management Before the Credit  37-38
      4.3.3.2 Managing Risk after Credit  38
    4.3.4 The Central Risk  38-40
CHAPTER FIVE:CONCLUSION AND RECOMENDATION  40-42
  5.1 Conclusion  40-41
  5.2 Recommendation  41-42
ACKNOWLEDGEMENTS  42-43
REFERENCES  43-44
APPENDIX  44-47

Credit Risk Management in the Comoros Banking System

内容摘要

全文目录

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