A Research On Precaution Against The Commercial Banking System Risk Of Our Country

Finance iS the core of contemporary economy,and commercial banking iS the principal part of finance system．After China j oined the WTO,the biggest problem which commercial banks of our country encounter has been the problem of systemrisks．Therefore．the research on managing and keeping away the commercial banking system risks of Our country has great academic and practical significance．By expatiating the basic theories of financial system．which includes the theoreticanalysis of four aspects:financial organization．financial market system．financial supervision system and financial system innovation．together with the characteristicsof commercial banks of Our country in the transitional period．the Paper analyzes the~eneration mechanism of the commercial banking system risks of our country．thedefnition and characteristics of system risks,the behavior and the various factors ofthe commercial banking system risks．one by one．At the same time．the main aspectsof American and German commercial banks．which include the type and appellationof commercial banks,the exterior form of organization。the dealings managementsystem．the deposit insurance system and the development current of commercialbanks,are compared．In addition,the financial supervision systems of America,British and Japan are studied in detail．Based on the above analyzing combined withthe situations in our country,the beneficial reference'and inspiration that we can draware analyzed．Then it Can be concluded that the origins from which the commercialbanking system risks of Our country derive exist in the peculiar property right system,organization system,capital system and juridical person system of our country,etc．Therefore．to prevent and solve the commercial banking system risks of OUr countrY,we should begin with eliminating the system sources that result in risks．and keepaway the banking risks effectively by innovating the system．In this paper,severalprecaution measurements are also proposed．including accelerating decentralizedregrouping of country,owned property,reforming the organization system of thecommercial banks monopolized by the COlintry,reforming and constructing capitalsystem,establishing modem iuridical person system of commercial banks,and SO on．...