지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
논문 기본 정보
- 자료유형
- 학술대회자료
- 저자정보
- 저널정보
- 한국로고스경영학회 한국로고스경영학회 학술발표대회논문집 Proceedings of the 3rd International Joint Conference among KALM, MMDIC, and MECS in 2005
- 발행연도
- 2005.7
- 수록면
- 303 - 312 (10page)
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초록· 키워드
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Assessing credit risk is an important task for banking sector. In order to solve this problem banks often use an internal rating system. For commercial banks in Mongolia internal rating system is a new and not enough-developed issue and vitally important vitally important to improve methodology to assess credit risks. Study work has aimed to find solution to this problem.
In my study I tried to develop the model “Credit risk assessment of gold mining sector using score system. The gold mining sector was elected by following two reasons:
Firstly, as an accountant manager, responsible for this sector I have a better knowledge about them,
Second reason is that a gold mining sector accounts for about 40 to 60 percent of total loan portfolio of our bank.
The purpose of the model is to identify more realistic factors and sub factors that may have impacts to turn credits into insolvent and score them distinctively to degree of its importance. Estimated total score of the loan risk assessment will be within 100 points and according to it the category to which the loan assessment will fall will be defined. In the model there are 8 categories and scores obtained are under 60 points are falling into categories to reject or most likely to reject.
On order to check reality of the chosen criteria the model has been applied for companies who borrowed last 5 years.
To conclude, the score system model to assess credit risks is more advanced method and introduction of it, no doubt, will contribute significantly to improve quality of the bank loan portfolio.
In my study I tried to develop the model “Credit risk assessment of gold mining sector using score system. The gold mining sector was elected by following two reasons:
Firstly, as an accountant manager, responsible for this sector I have a better knowledge about them,
Second reason is that a gold mining sector accounts for about 40 to 60 percent of total loan portfolio of our bank.
The purpose of the model is to identify more realistic factors and sub factors that may have impacts to turn credits into insolvent and score them distinctively to degree of its importance. Estimated total score of the loan risk assessment will be within 100 points and according to it the category to which the loan assessment will fall will be defined. In the model there are 8 categories and scores obtained are under 60 points are falling into categories to reject or most likely to reject.
On order to check reality of the chosen criteria the model has been applied for companies who borrowed last 5 years.
To conclude, the score system model to assess credit risks is more advanced method and introduction of it, no doubt, will contribute significantly to improve quality of the bank loan portfolio.
목차
ABSTRACT
Introduction
1. The concepts of rating systems
2. Literature review
3. Brief introduction of “Credit risk assessment using score system” model and instruction for use
4. Conclusions and Recommendations
REFERENCES
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UCI(KEPA) : I410-ECN-0101-2009-325-017134619