Study Of The Preventive Measures Against Credit Risk Adopted By State-owned Commercial Banks In China

After the Asian financial crisis in 1997, China State-owned Commercial Banks (CSCB) paid more attention to the quality of their credit assets. This thesis attempts to study the preventive measures of credit risk adopted by CSCB. Based on the theoretical explanations of credit risk, this thesis speaks of the current managing models for credit risk operated by CSCB, analyses what causes CSCB' s credit risk by ways of case-study and norm-analysis, and evaluates the currently implemented preventive measures, such as credit rationing, against credit risk. Therefore, this thesis raises the specific strategies on how to establish and improve the preventive measures against credit risk taken by CSCB so as to effectively help CSCB improve the preventive measures of credit risk.