1、PDF外文：http:/ 3rd International Symposium on KnowledgeAcquisition and Modeling中文3219字 1 毕 业 设 计（论文） 外 文 文 献 翻 译 题 目 ： 金融银行信用风险管理与知识管理 教 学 院： 经济与管理学院
2、 专业名称： 工商管理 2 Managing Credit Risks with Knowledge Management for Financial Banks Pan Jin Department of Economics Economics and Management School of Wuhan University Wuhan,Hubei Province,430072,China P Abstract-Nowaday
3、s,financial banks are operating in a knowledge society and there are more and more credit risks breaking out in banks.So,this paper first discusses the implications of knowledge and knowledge management, and then analyzes credit risks of financial banks with knowledge management. Finally, the paper
4、studies ways for banks to manage credit risks with knowledge management. With the application of knowledge management in financial banks, customers will acquire better service and banks will acquire more rewards. Index Termsknowledge management； credit risk； risk management； incentive
5、mechanism； financial banks I.INTRODUCTION Nowadays,banks are operating in a“knowledge society”. So, what is knowledge? Davenport(1996)1thinks knowledge is professional intellect, such as know-what, know-how, know-why, and self-motivated creativity, or experience, concepts, values, beliefs and
6、ways of working that can be shared and communicated. The awareness of the importance of knowledge results in the critical issue of “knowledge management”. So, what is knowledge management? According to Malhothra(2001)2, knowledge management(KM)caters to the critical issues of organizational adaptati
7、on, survival and competence in face of increasingly discontinuous environmental change. Essentially it embodies organizational processes that seek synergistic combination of data and information processing capacity of information technologies and the creative and innovative capacity of human beings.
8、 Through the processes of creating,sustaining, applying, sharing and renewing knowledge, we can enhance organizational performance and create value. Many dissertations have studied knowledge managementapplications in some special 3 fields. Aybbe Aurum(2004)3 analyzes knowledge ma
9、nagement in software engineering and D.J.Harvey R.Holdsworth(2005)4study knowledge management in the aerospace industry. Li Yang(2007)5 studies knowledge management in information-based education and Jayasundara Chaminda Chiran(2008)6 review the prevailing literature on knowledge management in banki
10、ng industries. Liang ping and Wu Kebao(2010)7study the incentive mechanism of knowledge management in Banking. There are also many papers about risks analysis and risks management. Before the 1980s, the dominant mathematical theory of risks analysis was to describe a pair of random vectors.But,the s
11、implification assumptions and methods used by classical competing risks analysis caused controversy and criticism.Starting around the 1980s, an alternative formulation of risk analysis was developed,with the hope to better resolve the issues of failure dependency and distribution identifiability. Th
12、e new formulation is univariate risk analysis.According to Crowder(2001)8, David Moeschberger(1978)9and Hougaard(2000)10,univariate survival risk analysis has been dominantly, which is based on the i.i.d assumptions(independent and identically distributed) or, at least, based on the independent fail
13、ure assumption.Distribution-free regression modeling allows one to investigate the influences of multiple covariates on the failure, and it relaxes the assumption of identical failure distribution and to some extent, it also relaxes the single failure risk restriction. However, the independent failu
14、res as well as single failure events are still assumed in the univariate survival analysis. Of course,these deficiencies do not invalidate univariate analysis, and indeed, in many applications, those assumptions are realistically valid.Based on the above mentioned studies, Ma and Krings(2008a, 2008b
15、)11discuss the relationship and difference of univariate and multivariate analysis in calculating risks. As for the papers on managing the risks in banks, Lawrence J.White(2008)12studies the risks of financial innovations and takes out some countermeasures to regulate financial innovations. Shao Baiquan(2010)13studies the ways to manage the risks in banks. From the above papers, we can see that few scholars have studied the way to manage credit risks with knowledge management. So this paper will discuss using knowledge management to manage credit risks for financial banks.
