金融银行信用风险管理与知识管理.doc

金融银行信用风险管理与知识管理 题目: 金融银行信用风险管理与知识管理 教 学 院: 经济与管理学院 专业名称: 工商管理 学 号: 200940530228 学生姓名:谭 勤 辉 指导教师: 刘 显 铭2013 年 05 月 28 日 Managing Credit Risks with Knowledge Management for Financial Banks Pan Jin Department of Economics Economics and Management School of Wuhan University Wuhan,Hubei Province,430072,China Panji163 Abstract-Nowadays,financial banks are operating in a knowledge society and there are more and more credit risks breaking out in banks.So,this paper first discusses the implications of knowledge and knowledge management, and then analyzes credit risks of financial banks with knowledge management. Finally, the paper studies ways for banks to manage credit risks with knowledge management. With the application of knowledge management in financial banks, customers will acquire better service and banks will acquire more rewardsIndex Terms?knowledge management; credit risk; risk management; incentive mechanism; financial banks I.INTRODUCTION Nowadays,banks are operating in a“knowledge society”. So, what is knowledge? Davenport1996[1]thinks knowledge is professional intellect, such as know-what, know-how, know-why, and self-motivated creativity, or experience, concepts, values, beliefs and ways of working that can be shared and communicated. The awareness of the importance of knowledge results in the critical issue of “knowledge management”. So, what is knowledge management? According to Malhothra2001[2], knowledge managementKMcaters to the critical issues of organizational adaptation, survival and competence in face of increasingly discontinuous environmental change. Essentially it embodies organizational processes that seek synergistic combination of data and information processing capacity of information technologies and the creative and innovative capacity of human beings. Through the processes of creating,sustaining, applying, sharing and renewing knowledge, we can