Research On The Risk Prevention Of State-owned Commercial Bank

The dissertation is a question of discussion about the assets risk prevention of state-owned commercial bank. It begins with the foundation of the bank risk and always walks along the route of system innovation in transition period and the Chinese characteristicmarket economy. It analyzes layer upon layer from impersonality , midfield and 4microcosmic ,searches after the incision and the path to the assets risk prevention of the statecommercial bank,which impels to the scientization and standardization of the assets risk prevention of the state commercial bank.The first part sets forth the actuality of realistic risk and potential risk though the review of the international financial crisis. It clarifies the objective,meaning and method of the study.The second part starts at the point of the origin and development of our state-owned commercial bank and probes into the status of bank risk in each period. It opens out five deep-seated roots in bank risk and underlies the base of discussion on the path and method of bank risk prevention in the 4" part.The third part discusses the primary theories of the financial risk prevention in the present and the actual measures of Chinese Construction Bank. It offers the indispensable point by evaluating the theoretic issues and practices.The 4lh part is the innovation and conclusion of the dissertation .It puts forward freshly three aspects on the base,precondition and circumstance of risk prevention ,especiallyresearches for the risk foundations-"transition period" and hinese characteristic marketeconomy" .It brings out five entries to risk prevention:retortion of the direction of macroscopically adjustment,market financing,system innovation ,the decentralization andrecombination of the state property right ,reformation of organizational system in the state commercial bank and the establishment of inspiritment -obligation system .The exploitation of the dissertation (or the new point) is :There ave differences in essence between our financial risk and the financial risk in foreign general commercial banks. It must be defeated just doing as theirs.The risk of the state commercial bank is mot merely the fault of its own . It can not be prevented only depend on the efforts by the banks themselves .The inner control of bank is the technical handle in the risk prevention.Finance is a certain reflection of economy,it is difficult to find the correct way just bystudying finance. We should put the risk prevention into the whole economical circumstance to discuss it.The existent risks have been recognized,we should prevent the potential increscent risks at present. The potential increscent risks rooted in the unbalance of macroscopically economical adjustment. Perhaps it is not a fresh point,but it seldom be presented in the press.