Alternative Strategies of Credit Risk Management: A Successful Case Study of the Guangdong Nanyue Bank in China from 2011 to 2016

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Abstract

Guangdong Nanyue Bank (GNB) shows the alternative strategies of credit risk management which led to its growth. It was formed out of local government finances and enterprise shares but spread its base to six cities and ranked as one of the top ten banks in the country. Since its establishment, the bank has been adhering to its market positioning: serving small and medium-sized enterprises, serving local citizens and serving trade financing. In order to better regulate the credit approval procedures and improve the credit level of decision-making, GNB has developed a set of applicable measures for the management of credit risk, set up corresponding departments and allocated professional staff for credit risk control before approval of loan, during the loan, and after the loan. The paper looks at the alternative strategies followed by GNB to manage credit risk and grow successfully within the banking industries in China.
Original languageEnglish
Pages (from-to)1-9
Number of pages9
JournalJournal of Management and Strategy
Volume9
Issue number4
DOIs
Publication statusPublished - 11 Sep 2018

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Guangdong
Credit risk management
China
Loans
Credit risk
Credit
Decision making
Finance
Financing
Risk control
Positioning
Local government
Staff
Small and medium-sized enterprises
Banking industry

Bibliographical note

All publications are open access in full text and free to download.

Keywords

  • alternative strategies
  • credit
  • risk
  • management
  • China

Cite this

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abstract = "Guangdong Nanyue Bank (GNB) shows the alternative strategies of credit risk management which led to its growth. It was formed out of local government finances and enterprise shares but spread its base to six cities and ranked as one of the top ten banks in the country. Since its establishment, the bank has been adhering to its market positioning: serving small and medium-sized enterprises, serving local citizens and serving trade financing. In order to better regulate the credit approval procedures and improve the credit level of decision-making, GNB has developed a set of applicable measures for the management of credit risk, set up corresponding departments and allocated professional staff for credit risk control before approval of loan, during the loan, and after the loan. The paper looks at the alternative strategies followed by GNB to manage credit risk and grow successfully within the banking industries in China.",
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