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Investigation into Credit Risk Management Practices in Hong Kong and Shanghai Banking Corporation - Research Proposal Example

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This paper considers an investigation into credit risk management practices in HSBC in the UK. It also includes the functions and credit policies in HSBC with respect to credit risk management and the problems faced by the organization in managing credit risk. …
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Investigation into Credit Risk Management Practices in Hong Kong and Shanghai Banking Corporation
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Download file to see previous pages Financial institutions are facing many problems in the area of credit risk management. Credit risk is not only oriented towards the banks but it also occurs in all enterprises in the business world. Credit risk usually arises, when any of the trading partners fail to meet his full obligation on the due date. This will seriously affect the trading practices of another partner who is associated with him. There must be a proper balance maintained between the credit risk and other risks that influence the credit practices of the firm.
The issue of credit risk is having a greater concern in banks because of the higher level risk associated. It also includes the changing business conditions and characteristics of the clients. The major causes for these problems are a failure of banks in meeting the credit standards which are framed for the borrowers, failure in changing the policies with respect to the economic changes, under-graded portfolio risk management and the situations that lead to a decline in credit standings of borrowers of the bank. Credit risk arises when the borrower fails to the terms and conditions mentioned in the credit agreement. “The goal of credit risk management is to maximize a banks risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters.” (Principles for the management of credit risk, 1999, para.2).
The bank selected for the study is HSBC in the UK. “The HSBC Group is one of the largest banking and financial services organizations in the world.” (Gokarn app as head of credit risk management of HSBC, 2006, para.6). It is headquartered in London and has its offices in more than 86 countries and has 8,500 offices all around the world. “HSBC provides a comprehensive range of financial services: personal financial services; commercial banking; corporate, investment banking and markets; private banking; and other activities.” (About HSBC: who is HSBC? 2009, para.4).  ...Download file to see next pagesRead More
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