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1、金融銀行信用風(fēng)險管理與知識管理畢業(yè)論文ManagingCreditRiskswithKnowledgeManagementforFinancialBanksPanJinDepartmentofEconomicsEconomicsandManagementSchoolofWuhanUniversityWuhan,HubeiProvince,430072,ChinaPanjin20102010@163.comAbstract-Nowadays,financialbanksareoperatinginaknowledgesocietyandtherearemorean
2、dmorecreditrisksbreakingoutinbanks.So,thispaperfirstdiscussestheimplicationsofknowledgeandknowledgemanagement,andthenanalyzescreditrisksoffinancialbankswithknowledgemanagement.Finally,thepaperstudieswaysforbankstomanagecreditriskswithknowledgemanagement.Withtheapplicationofknowledgem
3、anagementinfinancialbanks,customerswillacquirebetterserviceandbankswillacquiremorerewards.IndexTerms–knowledgemanagement;creditrisk;riskmanagement;incentivemechanism;financialbanksI.INTRODUCTIONNowadays,banksareoperatingina“knowledgesociety”.So,whatisknowledge?Davenport(1996)[1]think
4、sknowledgeisprofessionalintellect,suchasknow-what,know-how,know-why,andself-motivatedcreativity,orexperience,concepts,values,beliefsandwaysofworkingthatcanbesharedandcommunicated.Theawarenessoftheimportanceofknowledgeresultsinthecriticalissueof“knowledgemanagement”.So,whatisknowledge
5、management?AccordingtoMalhothra(2001)[2],knowledgemanagement(KM)caterstothecriticalissuesoforganizationaladaptation,survivalandcompetenceinfaceofincreasinglydiscontinuousenvironmentalchange.Essentiallyitembodiesorganizationalprocessesthatseeksynergisticcombinationofdataandinformation
6、processingcapacityofinformation14technologiesandthecreativeandinnovativecapacityofhumanbeings.Throughtheprocessesofcreating,sustaining,applying,sharingandrenewingknowledge,wecanenhanceorganizationalperformanceandcreatevalue.Manydissertationshavestudiedknowledgemanagementapplicationsi
7、nsomespecialfields.AybübeAurum(2004)[3]analyzesknowledgemanagementinsoftwareengineeringandD.J.Harvey＆R.Holdsworth(2005)[4]studyknowledgemanagementintheaerospaceindustry.LiYang(2007)[5]studiesknowledgemanagementininformation-basededucationandJayasundara＆ChamindaChiran(2008)[6]reviewth
8、eprevailingl
