Advances in Economics, Management and Political Sciences

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Proceedings of the 7th International Conference on Economic Management and Green Development

Series Vol. 38 , 10 November 2023


Open Access | Article

Banking Risk Assessment under COVID-19 Pandemic

Hongsheng Zhang * 1
1 Shanghai DianJi University

* Author to whom correspondence should be addressed.

Advances in Economics, Management and Political Sciences, Vol. 38, 13-18
Published 10 November 2023. © 2023 The Author(s). Published by EWA Publishing
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Citation Hongsheng Zhang. Banking Risk Assessment under COVID-19 Pandemic. AEMPS (2023) Vol. 38: 13-18. DOI: 10.54254/2754-1169/38/20231878.

Abstract

Since the banking industry is a crucial component of the financial markets, how to manage it is an important issue, especially the aspect of risk management, in which, some commercial banks perform poorly. This research uses the definition and some cases introduce what is the meaning of liquidity risk, credit risk, market risk, and systemic risk. Then this paper takes some big-name banks such as SVB, and Credit Suisse as examples and researches their management ways when facing risk to prove the necessity of risk management and why banks should deal with the risk. Additionally, the author cites Basel III to emphasize the importance of the capital adequacy ratio which can obtain the capital markets stable. This research draw a conclusion that how the banking industry should manage the risk and what measure should they take when facing corresponding risk, only by managing the risk reasonably, the banking industry can maximize risk reduction and increase the revenue to obtain operation. With this, in the future without covid-19, the banking industry can be more stable.

Keywords

systemic risk, banking risk management, COVID-19 crisis

References

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3. Jiang, X., & Zhao, Y.: Analysis of Liquidity Risk Management in Rural Commercial Banks. Economist (10), 2 (2010).

4. Wang, D.: A Brief Discussion on Liquidity Risk Management of Small and Medium-Sized Commercial Banks under the COVID-19 Pandemic. Economic Research Guide (35), 2 (2020).

5. What Happened at Credit Suisse, and Why Did It Collapse? Investopedia. https://www.investopedia.com/what-happened-at-credit-suisse-and-why-did-it-collapse-7369825#:~:text, last accessed 2023/5/15.

6. Liu, J., & Ren, W.: Credit Risk Management Strategies for Commercial Banks under the Context of the COVID-19 Pandemic. Modern Business (20), 3 (2021).

7. Silicon Valley Bank: A Failure in Risk Management. GARP. https://www.garp.org/risk-intelligence/market/silicon-valley-bank-031423, last accessed 2023/5/15.

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Data Availability

The datasets used and/or analyzed during the current study will be available from the authors upon reasonable request.

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Volume Title
Proceedings of the 7th International Conference on Economic Management and Green Development
ISBN (Print)
978-1-83558-097-4
ISBN (Online)
978-1-83558-098-1
Published Date
10 November 2023
Series
Advances in Economics, Management and Political Sciences
ISSN (Print)
2754-1169
ISSN (Online)
2754-1177
DOI
10.54254/2754-1169/38/20231878
Copyright
© 2023 The Author(s)
Open Access
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited

Copyright © 2023 EWA Publishing. Unless Otherwise Stated