The Study Of Loan And Lend Management Risks In State-owned Commercial Bank In China

With the development of quick unionism of the world economy, special when our country having becoming the member of the WTO. The bank enterprises in our country face opportunity as well as challenge which we have never met before. Only State-owned banks reform themselves, Can they adapt themselves to the economical situation which develops fast in our country. Moreover success and setback of finance reform in our nation will depend on management reform in the loan risk of commercial bank. On the base of these reasons, Author select the study of the cause of loan risks in stat-owned commercial bank in China as the master paper, and wish conduce to the reform.The paper cover the cause of loan and lend risks happening in stat-owned commercial bank in China, the analysis of status of loan and lend risks happening in stat-owned commercial bank in China, the problem of loan and lend management risks in stat-owned commercial bank in China, the experience using for reference of loan and lend management risks in west country and tentative plan of loan and lend risks happening in stat-owned commercial bank in China and so on, which are five chapters in these paper.Based on carefulness analysis of historical as well as interior and external reasons of loan and lend risks happening in stat-owned commercial bank in China, and analysis of economical circumstance, with deep analysis of status of loan and lend risks in stat-owned commercial bank in China, the paper indicate that our country can't take force measures to manage loan and lend risks in stat-owned commercial bank by means of policy and don't adequately Evaluate the credit. And the system of management risk, insurance and law in China isn't perfection. The enterprises which are changing their finance system have trouble to be supervised. In the last chapter in this paper, by means of use the experience of loan and lend management risks in west country for reference, and plan of loan and lend management risks in stat-owned commercial bank in China has been put forward.The points of total assistant innovation, friendly circumstance and the perfects system of keeping away loan and lend risks, management loan and lend risks, supervision loan and lend risks, deal loan and lend risks, change loan and lend risks, elimination loan and lend risks and the ways of deal with those situations are firstly brought forward by me, likewise, I have attached importance to focus on these aspects in my research time.