Research On Credit Risk Management Of Laos Foreign Trade Bank

Since the reform and opening up,Laos' economic development has been on the right track,and a number of excellent enterprises have sprung up,which has made a significant contribution to the promotion of economic development and social construction.The enterprise is the cell of the social economy,and the development of the enterprise is the main motive force of the economic development.In recent years,the Laotian enterprises have developed vigorously and have encountered difficulties in financing.The main financing channel for the enterprises is to apply for loans to banks and other financial institutions.The problem of the contradiction between the examination and approval of the loan is the bank and the enterprise.It is difficult for banks to judge the business status of enterprises,resulting in the non-standard procedures of examination and approval,thereby increasing the risk of other bad debts,the intervention of all levels of government departments,the examination and approval of enterprise applications and the risk of loan default.Therefore,by analyzing the operation rules and the development status of Laos Foreign Trade Bank,this paper selects and establishes a Laos Foreign Trade Bank credit risk evaluation index system,finds out the cause of the problem from the macroscopic to microscopic index system,and provides the basis for future risk management.And further demonstrated that in the future of the proposal,in the actual operation of the scientific and feasible.At the same time,the system puts forward the direction to further promote and improve the BCEL and commercial loans.This paper is divided into six parts: The first part briefly discusses the commercial bank risk management weak topic background,combs the domestic and foreign scholars related research results,at the same time carries out the thorough research,and points out the possible innovation and the insufficiency;the second part,combing the basic theory of Laos banking credit business based on the main business management theory and risk management evaluation theory;the third part,on the base of further introduction of Laos Foreign Trade Bank,points out that the present situation and the development of foreign banks in Laos faces risk and risk management of the existing problems,and analyzes the reason and the actual contents are different;the fourth part,from the ICBC Vientiane branch the experience of risk management of credit business,and draw relevant experience;the fifth part,according to the bank for foreign trade of Laos The existing situation and risk analysis of credit business,and puts forward strategies and suggestions to promote Laos Foreign Trade Bank's credit business sustainable development and risk management [and actual research contents].The sixth part summarizes the full text,points out the deficiencies of the research,and looks forward to the future research direction.