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QUESTIONNAIRE

CREDIT RISK MANAGEMENT

Purpose

The main objective of this survey is to empirically Confidentiality statement


investigate the determinants of Credit Risk
Management in Indian banking sector The data in the questionnaire and the
questionnaire itself shall be used purely for
Data collected in this survey will facilitate a greater
understanding of customer experience and will help in academic research purpose. No mention of
making suggestions to improve upon the retailing
the respondent or the organization to which
environment.
he/she belongs shall be used anywhere.
Completion of this questionnaire is an academic
requirement for pursuing my doctoral research at
Gujarat Universityand your cooperation is solicited,as
the results of the survey would immensely add to the
body of knowledge in Banking Sector

Questions?

If you require assistance in the completion of this questionnaire or have any questions regarding the
survey, please contact:
Baibhav
Ph.D. Scholar
Gujarat University.
Email: Mobile:

Demographic Details

Gender Male Female

Name of Bank: _______________________________

Designation: ____________________________________

Banking experience <10 Years 10-15 Years 15-20 Years >20 Years
Credit Risk Management

Place Tick mark (√)on ONE response for each item based on your perceptions with reference to
your banking environment.

Agreement with statement


5-Strongly Agree 1–Strongly Disagree 5 4 3 2 1

There a well -established mechanism in your banks to deal with various types
of risk
There a separate statement of principles and objectives with respect to Risk
Management in Your Bank?
Roles and responsibilities of the various functionaries of the bank are clearly
defined by the policy
The management monitoring implementation of policy and making necessary
adjustments
Management set limits for acceptable level of various risks

There an active involvement of management in sketching up of strategies for


risk management
Risk management strategy flexible to deal adequately, with all risks.

There a regular monitoring of the effectiveness of risk management system?

Risk management structure support the swift and smooth flow of information
from operational level to top management
Bank have RAROC framework for Risk Pricing

Compliances are reported to the senior management very regularly

Management of the bank have different credit limits for clients from different
sectors and industries
The policy provide details about loan pricing strategy efficiently

Bank have policy containing ways and means for quantitative measurement for
credit risk
Bank have any internal credit risk rating system which is used for credit
approval and follow up monitoring
Number of bad loans on the part of highly rated clients nil or few.
Bank have separate Credit Risk Management Committee to oversee credit risk
management function and compliance of credit risk policy
The bank ensure that there is rational delegation of powers to approve the
loans and that those are followed effectively as per management
policy

Bank have a separate stressed assets management function for problem loans

Does the bank have pre and post disbursement audit system for credit facilities
including SMEs
There is mechanism for exceptional reporting to the senior management

Bank Complied manuals for credit evaluation and approval and are the
manuals periodically reviewed and revised.
The credit administration function ensures Completeness of documents
including guarantees, receipt of collateral with EM, approval of exceptions,
safe custody of security documents before credit disbursement

Bank perform its own independent analysis and review in case of syndicate
loans

There is an early warning system to alert the bank about the loans going to be
NPA
Before sanctioning the loan the bank analyze the KYCs and financial
statements of borrowers to appraise the amount and timing of cash flows
Bank confirm the usage of borrowed funds through financial statements
analysis or other sources after disbursement
Bank have an automatic calling system to request customer payments

Bank have clear policy/ procedures on restructuring/ rescheduling of problem


loans
Bank Have appropriate procedures for appraisal of securities held as collateral

Mitigating Methods for Alleviating Credit Default Promoting the Effectiveness


of Credit Risk Management
Exchange of Credit Information with other banks and the Credit Bureau
promote Effectiveness of Credit Risk Management
I am enthusiastic about automated Credit Risk Management Software in your
bank
Bank have high levels of credit exposures to a particular group of customers,
industrial sectors, regions of country
Bank have a Separate credit recovery department that handles collection of
credits in default
Experience in Credit risk area of credit risk manager support to the
Effectiveness of Credit Risk Management
Is Corruption of Credit Officers a Challenge to the Effectiveness of Credit Risk
Management?
Is Inadequate training of Credit Officers a Challenge to the Effectiveness of
Credit Risk Management?
The Bank Ensure collaterals insured against Loan amount is sufficient

Bank Clearly understand risk profiles in case of participation loans


Bank have a clear understanding of borrowers' business skills and condition

Bank Periodically carry out on-site inspection/ survey of the collateral held
as security
Before sanctioning loan bank gather information on borrowers' credibility
from other sources
Bank periodically re-appraise real estate held as collateral and monitor its
value against outstanding credit
Bank have a good understanding of borrowers' source of repayment

Bank analyze cash flows to examine debt servicing capacity of borrowers

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