| Summary: | 碩士 === 美和科技大學 === 經營管理研究所 === 99 === Banks play an important role as the channel of mobilizing and circulating capital and become financial intermediaries in the market economy. The process of globalization has strengthened the inter-dependence among the economies in the world. In 2008, the credit crisis in the USA affected the global economy crisis, the financial fields suffered sharply from this event as well as banking sector. Nowadays, one of the risks which the banks need to consider is the credit risks, since the credit system is such important, complicate but vulnerable.
By combination of theories and practical operation, we have collected the real data as many banks through questionnaires and then used comparison and analysis methods to have comments to evaluate and true credit activities and credit risk management tasks. From the empirical results, we have suggested some realistic solutions to improve the quality of credit risk management tasks. And the banks may apply these solutions to control risks as lowest rate as possible. Moreover, we learned from the research that credit growth is very necessary; however it needs to be linked with safety and effectiveness. On the other hand, besides the outside causes, the subjective causes are more important to credit risks. Although banks gained success in the process of managing credit which there is still limitations and slots left to make room for credit risks to sprout.
Here are some our suggestions developed during the time of investigating the credit risks management tasks.
- Building an effective credit operational procedure.
- Upgrading the quality of checking tasks inside the banks.
- Managing and supervising credit risks in and after the time of offering loans.
- Setting up and upgrading the IT system inside the banks.
- Improving the quality for the human resources.
- Building an internal credit risks control department.
- Considering all environmental factors in loans regulations.
We believed that if banks implement these solutions properly, they will avoid most of credit risks problem at the lowest rate as they can.
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