This study aims to identify risk management strategies undertaken by the commercial banks of Balochistan, Pakistan, to mitigate or eliminate credit risk. The findings of the study are significant as commercial banks will understand the effectiveness of various risk management strategies and may apply them for minimizing credit risk. This explanatory study analyses the opinions of the employees of selected commercial banks about which strategies are useful for mitigating credit risk. Quantitative data was collected from 250 employees of commercial banks to perform multiple regression analyses, which were used for the analysis. The results identified four areas of impact on credit risk management (CRM): corporate governance exerts the greatest impact, followed by diversification, which plays a significant role, hedging and, finally, the bank’s Capital Adequacy Ratio. This study highlights these four risk management strategies, which are critical for commercial banks to resolve their credit risk.

中文翻译：

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风险管理策略对俾路支商业银行信用风险的影响

本研究旨在确定巴基斯坦俾路支省商业银行为减轻或消除信用风险而采取的风险管理策略。该研究的结果意义重大，因为商业银行将了解各种风险管理策略的有效性，并可能将其应用于最小化信用风险。本解释性研究分析了选定商业银行员工对哪些策略有助于降低信用风险的看法。收集商业银行250名员工的定量数据进行多元回归分析，用于分析。结果确定了对信用风险管理 (CRM) 的四个影响领域：公司治理的影响最大，其次是发挥重要作用的多元化、对冲以及最后，银行的资本充足率。本研究重点介绍了这四种风险管理策略，它们对商业银行解决信用风险至关重要。