Earticle

초록

영어

Recently Korean banks are endeavoring to find ways of effective management for credit evaluation, thus to maintain the soundness of their capital. Korean conglomerate companies and medium & small companies were bankrupt in chain, and as a result the weak credit was increased. Therefore, Korean banks came to focus on reinforcing the measurements of examining and managing the credits of the conglomerate companies and medium & small companies. In comparison with the banks in advanced countries, Korean banks show such weaknesses as they do not have effective distinction between offices of managing credit, and what`s worse, they do not have well-established measures against the credit in danger. Accordingly, Korean banks should work off the ineffective decision-making practices and the existing loan practices based on security. They need to develop new management systems of emphasizing the credit management potentials. In addition to developing new credit evaluation processes for effective credit management, they will have to adopt the credit management systems from advanced countries for measuring the credit of the business companies. They will also have to develop data base for the loan customers and renovate the data for the bankruptcy ratio. They will have to further consider establishing relevant politics for loan interest rate, maximum loan amount, loan portfolio, and others against credit in danger. Korean banks need basically re-engineering the loan processes and the existing decision-making practices.

목차

I. 서론
 II. 은행산업의 위험관리
  1. 은행산업의 위험관리
  2. 은행의 신용위험관리 필요성
 III. 주요국 은행의 신용위험관리
  1. 미국 은행의 신용위험관리
  2. 일본 은행의 신용위험관리
 IV. 국내 은행의 신용위험관리방안
  1. 국내 은행의 신용위험관리 현황 및 문제점
  2. 국내 은행의 신용위험관리 방안
 V. 결론
 참고문헌
 Abstract

저자

• 조정원 [ Jeong Weon Cho | 창신대학 세무회계정보과 전임강사 ]
• 최해술 [ Hae Sool Choi | 창신대학 경영정보과 조교수 ]

참고문헌

발행기관

간행물

표지보기 관심저널 등록

• 간행물명

  기업경영연구 [Korean Corporation Management Review]

• 간기

  격월간

• pISSN

  1229-957X

• 수록기간

  1994~2025

• 등재여부

  KCI 등재

• 십진분류

  KDC 325 DDC 658