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1、金融银行信用风险管理与知识管理毕业论文ManagingCreditRiskswithKnowledgeManagementforFinancialBanksPanJinDepartmentofEconomicsEconomicsandManagementSchoolofWuhanUniversityWuhan,HubeiProvince,430072,ChinaPanjin20102010@163.comAbstract-Nowadays,financialbanksareoperatinginaknowledgesocietyandtherearemoreandmorecreditris
2、ksbreakingoutinbanks.So,thispaperfirstdiscussestheimplicationsofknowledgeandknowledgemanagement,andthenanalyzescreditrisksoffinancialbankswithknowledgemanagement.Finally,thepaperstudieswaysforbankstomanagecreditriskswithknowledgemanagement.Withtheapplicationofknowledgemanagementinfinancialbanks,cu
3、stomerswillacquirebetterserviceandbankswillacquiremorerewards.IndexTerms–knowledgemanagement;creditrisk;riskmanagement;incentivemechanism;financialbanksI.INTRODUCTIONNowadays,banksareoperatingina“knowledgesociety”.So,whatisknowledge?Davenport(1996)[1]thinksknowledgeisprofessionalintellect,suchaskn
4、ow-what,know-how,know-why,andself-motivatedcreativity,orexperience,concepts,values,beliefsandwaysofworkingthatcanbesharedandcommunicated.Theawarenessoftheimportanceofknowledgeresultsinthecriticalissueof“knowledgemanagement”.So,whatisknowledgemanagement?AccordingtoMalhothra(2001)[2],knowledgemanage
5、ment(KM)caterstothecriticalissuesoforganizationaladaptation,survivalandcompetenceinfaceofincreasinglydiscontinuousenvironmentalchange.Essentiallyitembodiesorganizationalprocessesthatseeksynergisticcombinationofdataandinformationprocessingcapacityofinformation14technologiesandthecreativeandinnovati
6、vecapacityofhumanbeings.Throughtheprocessesofcreating,sustaining,applying,sharingandrenewingknowledge,wecanenhanceorganizationalperformanceandcreatevalue.Manydissertationshavestudiedknowledgemanagementapplicationsinsomespecialfields.AybübeAurum(2004)[3]analyzesknowledgemanagementinsoftwareengineer
7、ingandD.J.Harvey＆R.Holdsworth(2005)[4]studyknowledgemanagementintheaerospaceindustry.LiYang(2007)[5]studiesknowledgemanagementininformation-basededucationandJayasundara＆ChamindaChiran(2008)[6]reviewtheprevailingl
