Credit Risks Of State-Owned Commercial Banks In China: The Causes And Countermeasures

By applying the basic theories and disciplines of management and economics, this thesis gives the explanations of the concepts, types and meanings of the bank credit risks and analyzes the characteristics and the present situations of the national commercial banks credit risks in our country as well as the importance of researching the credit risks; it also discusses the causes of the credit risks. On the basis of the above, some suggestions and tactics are put forward to avoid and resolve the risks.This thesis consists of three parts:Part One: In this part, the writer mainly summarizes the concepts and types of the bank credit risks, and analyzes the characteristics of the national commercial bank credit risks. The writer also points out that in terms of a country's economy, the effective mechanism brought about by the credit risks is the combination of stimulation, restraint and efficiency. Abstractly, it is essentially meaningful for innovating our country's finance to explore the factors of the credit risks.Part Two: From both the internal and external factors, in this part it is analyzed that the formation of the credit risks in the state-owned banks is owing to the inherent disadvantages of the resource and application of funds. And it's illuminated that the credit risks of the bank system is enhanced by the free-and-easy-style management in the state-owned commercial banks and the low profit in the enterprises. Meanwhile some other factors causing the credit risks are also analyzed in detail such as the potential and external ones, including lower capital-adequency-ratio, improper bad-debts-reserve system, economic globalization, foreign banks pressure after China accession to WTO and bad socialcredit system etc.Part Three: According to the reality of the credit risks in the state-owned banks, the key methods to keep away and resolve the problems is to strengthen the internal management, improve the external managing surroundings and reform the property right system. In this part, through using the quality and quantity analysis ,by contrasting between concrete and abstract, different kinds of methods or measures are discussed systematically on all aspects such as credit orgnization and management system, risk control, credit innovation and credit assets preservation etc.The original points of this thesis lies as follows: first, it is advanced to improve the bad-debts-reserve system as the important premise to resist credit risks; second, it is suggested that the development of medium-business is an essential approach to alter the credit-concentration phenomenon of stata-owned bank risks and to realize new economy growth. And third, the necessity of strengthening the control on mobilization risk and some suggestions or countermeasures are put forward, based on the fundmental cause-the inherent defects about the resource and application of funds giving rise to credit risks in state-owned banks.