[雙語翻譯]信貸風(fēng)險外文翻譯—信貸風(fēng)險管理策略及其對肯尼亞商業(yè)銀行績效的影響（節(jié)選）

1、字?jǐn)?shù)：英文 字?jǐn)?shù)：英文 2891 2891 單詞， 單詞，15678 15678 字符；中文 字符；中文 4915 4915 漢字 漢字出處： 出處：Mutua Mutua S W, W, Gekara Gekara M. M. Credit Credit Risk Risk Management Management Strategies Strategies and and Their Their Impact Impact on

2、on Performance Performance of of Commercial Commercial Banks Banks in in Kenya[J]. Kenya[J]. Imperial Imperial Journal Journal of of Interdisciplinary Interdisciplinary Research, Research, 2017, 2017, 3(4):1896-1904 3(4)

3、:1896-1904外文文獻(xiàn)： 外文文獻(xiàn)： Credit Risk Management Strategies and Their Impact on Performance of Commercial Banks in KenyaAbstract Credit risk management strategies are amongst the most critical factors to consider for any f

4、inancial institution involved in any lending activity. Financial institutions have often find themselves making decisions between lending to potential borrowers thus effectively growing their balance sheets and effective

5、ly increasing their returns and being cautious in lending to caution themselves against any potential losses. Specifically, the research sought to examine credit risk management strategies and their impact on performance

6、 of commercial banks in Kenya. The research was guided by the liquidity theory of credit, portfolio theory, credit risk theory and the tax theory of credit.The research was based on a descriptive design which involves de

7、scribing the current state of affairs by use of data collected through questionnaires and interviews. The research was focused on selected Tier III commercial banks in Kenya namely Consolidated Bank, African Banking Corp

8、oration and Credit Bank with reference to the loans department. The sampled population consists of 62 staff members from loans department of Consolidated Bank, African Banking Corporation and Credit Bank. Primary data wa

9、s collected through the use of closed ended questionnaires, pick and drop procedure was used to collect data through use of the registered offices of the targeted loans departments of the target banks. Data analysis was

10、done both bonds, equities, options, and in the extension of commitments and guarantees, and the settlement of transactions.Each bank should develop a credit risk strategy or plan that establishes the objectives guiding t

11、he bank’s credit-granting activities and adopt the necessary policies and procedures for conducting such activities. The credit risk strategy, as well as significant credit risk policies, should be approved and periodica

12、lly (at least annually) reviewed by the board of directors. The board needs to recognize that the strategy and policies must cover the many activities of the bank in which credit exposure is a significant risk (Haron et

13、al, 2007).Credit Management is a financial management aspect that includes credit underwriting that encompasses analysis, approval, security perfection, portfolio management and debt recovery. Nzotta (2004) indicated tha

14、t credit management directly influences the success or failures of financial institution involved in lending activities. He indicated that on the hindsight of lending being directly proportional to the quantum of deposit

15、s received from the public, any unwise credit underwriting would translate to loss of depositors’ funds and losses to the financial institutions thereof.According to a report by Earnest and Young of 2013 on the banking e

16、nvironment in East Africa, it is reported that banks in Kenya, Tanzania, Uganda and Rwanda recorded growth rates in asset book of 16%, 14%, 13% and 12% respectively. This was on the advent of introduction of credit burea

17、us that was expected to improve on credit underwriting by improving decision making by 89% and effectively help reduce Non Performing portfolios across the board by 94%. Between the year 2009 and 2013, banks in Tanzania

18、grew their CAGR by 17.5% with loans and advances outpacing overall asset growth which grew by 22.5% over the same period. In Uganda, the CAGR of banks grew by 13% whilst the growth in Rwanda was 12% in an economy that gr