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国际交流学院学期论文
国际交流学院学期论文
School of International Exchange
Niels Brock Copenhagen Business College
Semester Project Work
学年/Academic Year: 2011-2012-01
论文题目：如何改善中国工商银行上海分行信用卡的风险管理？
Title： How to improve credit risk management for ICBC Bank in Shanghai？
专业/Major：国际金融/International Finance
姓名/学号： 2009175439
Name/ Student No.：
指导老师/Guidance Teacher： List of contents
1.Introduction: 3
1.1 Background 3
1.2 ICBC Bank 3
1.3 Issues: 4
2. Problem statement 4
3. Demarcation 5
4. Methodology 5
5.Summary 5
Chapter 2: Analysis 6
2.1The classification of credit risk 6
2.2 The internal reasons 6
2.3 The external reasons 6
2.4The loophole in the whole process system of credit business. 7
2.5 SWOT 7
1. Strengths 7
2. Weaknesses 8
3. Opportunities 8
4. Threats 9
2.6 Questionnaire: 9
Chapter 3: The internal measures of the credit risk in ICBC bank. 12
3.1 Personnel measures 12
1. Improve the personnel quality in credit business 12
2. Improve the credit audit institutions. 13
3.2 Construction of?the internal system 13
3.3 Establishing risk early-warning mechanism 13
3.4 Establish the bad loans disposal system. 14
Chapter 4：The external measures of credit risk in ICBC Bank 14
4.1 Self-development of financial market 14
1. Improve the financial market system 14
2. Establishment of the Deposit Insurance System 15
4.2 Construction of the government 15
1. Regulate government’s behavior 15
2. To speed up?the pace of?SOE reform 16
4.3 The Macro Credit Environment 17
Chapter 5：Conclusion 19
Information sources 19
Topic: How to improve credit card risk management for ICBC Bank in Shanghai
1. Introduction:
1.1 Background
In recent years, with economic development rapidly and opening thoroughly, the credit card in our country growth rapidly either. Commercial banks take credit card business more and more seriously. Foreign banks also intervene credit card business in different ways. The competition began to
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