印尼kediri的ABC银行风险管理分析

IF 2.4 Q2 ENGINEERING, INDUSTRIAL

International Journal of Industrial Engineering and Management Pub Date : 2023-04-13 DOI:10.33536/jiem.v8i1.1214

S. R. Widodo, H. B. Santoso

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引用次数: 0

摘要

风险管理是一个公司非常重要的事情。无论规模大小，公司都无法避免风险。本研究旨在识别风险，衡量风险，分析和评估印尼Kediri市ABC银行面临的风险。本研究采用定性描述方法进行风险管理分析。风险度量研究的阶段包括风险识别、风险评估和风险应对。通过对农行风险管理总监和员工的访谈结果可以看出，农行可能发生的风险类型有信用风险、市场风险、流动性风险、操作风险、合规风险、法律风险、声誉风险、战略风险。信用风险是风险级别最高的，即每年有9个以上客户的案例，每年的案例价值在4.5 -5亿以上。其次是市场风险，风险水平中等，案件价值在每年2.5亿至3.5亿之间。信贷和市场风险的风险管理是所有员工必须对向银行申请信贷的潜在客户进行强有力的信用分析，经理必须确保客户收到的信贷金额符合预定的上限，经理监督信贷分配目标，等等。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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RISK MANAGEMENT ANALYSIS AT ABC BANK IN KEDIRI, INDONESIA

Risk management is a very important thing to do in a company. Small and large scale company will never avoid risk.. This study aims to identify risks, measure risks and analyze and evaluate the risks faced by ABC bank in Kediri City, Indonesia. This study uses risk management analysis with a qualitative descriptive method. The stages in risk measurement research are as follows risk identification, risk assessment, and risk response. The results of interviews with the director of risk management and employees of bank ABC can be seen the types of risks that are likely to occur in bank ABC are credit risk, market risk, liquidity risk, operational risk, compliance risk, legal risk, reputation risk, strategic risk. Credit risk has the highest level of risk, namely with cases of more than 9 customers per year with a case value of more than 450-500 million per year. Next is the market risk which has a moderate risk level with a case value between 250 million and 350 million per year. Risk management in credit and market risk is with all employees must have a strong credit analysis for prospective customers who apply for credit to the bank, the Manager must ensure that the amount of credit received by the customer is in accordance with the predetermined ceiling, the Manager monitors the distribution of credit to be on target, and etc.

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来源期刊

International Journal of Industrial Engineering and Management Business, Management and Accounting-Business, Management and Accounting (miscellaneous)

CiteScore

5.00

自引率

17.20%

发文量

审稿时长

21 weeks

期刊介绍： International Journal of Industrial Engineering and Management (IJIEM) is an interdisciplinary international academic journal published quarterly. IJIEM serves researchers in the industrial engineering, manufacturing engineering and management fields. The major aims are: To collect and disseminate information on new and advanced developments in the field of industrial engineering and management; To encourage further progress in engineering and management methodology and applications; To cover the range of engineering and management development and usage in their use of managerial policies and strategies. Thus, IJIEM invites the submission of original, high quality, theoretical and application-oriented research; general surveys and critical reviews; educational or training articles including case studies, in the field of industrial engineering and management. The journal covers all aspects of industrial engineering and management, particularly: -Smart Manufacturing & Industry 4.0, -Production Systems, -Service Engineering, -Automation, Robotics and Mechatronics, -Information and Communication Systems, -ICT for Collaborative Manufacturing, -Quality, Maintenance and Logistics, -Safety and Reliability, -Organization and Human Resources, -Engineering Management, -Entrepreneurship and Innovation, -Project Management, -Marketing and Commerce, -Investment, Finance and Accounting, -Insurance Engineering and Management, -Media Engineering and Management, -Education and Practices in Industrial Engineering and Management.