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留学生论文网:Risk management is one of the forever un(3)

http://ukthesiss.com/dissertation_writing/Finance/SMEs have already added up the credit difficulties. Thus, it will be more important for Metrobank Shanghai branch to extend its efforts to better adjust strategy and assign economic capital by considering its actual situation in China.
1.2 Thesis objective(s): Goal / means / constraints
The thesis objective is, through the research about Metrobank Shanghai Branch’s situation and regulations of international practice, to recommend its current lending process aiming to working capital loans for Small and medium-sized enterprises (SMEs) in China. The recommendation will cover the aspects of specific lending technologies, sufficient indicators and credit risk control measurement based on the risk identification and analysis of Chinese SMEs.


1.3 Problem definition:
After research, it is found that with the rapidly increased operation of working capital loans for Small and Medium Enterprises (SMEs) in China, the Metrobank Shanghai branch seems lack enough authority and sufficient practices to conduct a comprehensive lending process by itself to meet its recent business demands. Under the centralized controlling policy, all the commercial loan cases need to be submitted to Philippians’ Head Office for the examination and approval after preliminary selection and analysis from Shanghai branch. It usually takes over a month to approve this lengthy processing application, which results an expected loss of target customers and inefficient lending operation.

Besides the length, the business is also limited by the arising conflicts between parent and branch because of the different opinions for credit risk measurements. All the lending strategies and risk assessments are designed by Philippians’ Headquarter that have limit understanding about Chinese SMEs. Whether they can sufficiently fit the cases in Shanghai branch and can adapt in China’s circumstance is still questionable.

On the other hand, frustrated by the business immaturity and information asymmetry, Metrobank Shanghai Branch finds it is difficult to evaluate the securitization of Small and medium-sized enterprises because most of them lack of certain credit history and regular financial records in the public credit system. The reliability of financial statements from SMEs in China is also doubtable since most of them have 2 or 3 different versions for different parties like to banks and Tax bureau. In order to solve this problem, it is essential for Metrobank to evaluate and adjust the current lending technologies for better information processing.

1.1 Research questions
This thesis is committed to provide a comprehensive framework as a blueprint for assessing and controlling credit/loan risk of Small and Medium-sized Enterprises (SMEs) for Metrobank Shanghai branch. Based on the identified problems in last part, following research question need to be clarified:



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