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Research On The Banking Risk Alarming Index System Of Chinese State-owned Commercial Banks

Posted on:2004-05-14Degree:MasterType:Thesis
Country:ChinaCandidate:F QinFull Text:PDF
GTID:2156360122460085Subject:International Trade
Abstract/Summary:PDF Full Text Request
In the past two decades, the crisis of the bank broke off frequently in many countries of the world, three fourth of which were in developing countries, and was becoming increasingly intense. Hence studying the internal factors for the banking crisis in the developing countries, and inquiring into the strategies of supervision and precaution on the banking crisis, become both theoretically and practically important for constructing a stable framework of steady operation and resisting the risks. Nevertheless, from the successes and failures in the other countries, this study could be of practical guidance for China to prevent and eliminate the latent crisis at the present stage of increasingly manifest and serious banking risks.Chapter one is based on the historical research and practical analysis of the banking crisis and starts from the analysis of the common characteristics and causes of the banking crisis. It indicates the following causes: worsened environment of the macro economy, careless loaning activities in the up-surging time of credit, the inappropriate allocation of the assets and liabilities, incomplete account information disclosure and legislation framework, and so on.Chapter two explores and predicts the possibility of banking crisis in China through the analysis of the main forms and status of the banking risks. It shows that the systematic banking risk is very serious and special attention must be given though the crisis could not break out at any moment at present. For the sources of the system, it indicates that not only does the general market risks exist, but also is the most obvious one the system risk specified in the double economic structures in the transitional period.The breaking out of the banking risks and crisis is often indicated by the worsening changes of series of economic and financial indexes. So chapter three starts from the prevention of the banking risks and constructs the systematic and non-systematic index alarm mechanism on macro and micro risk control. Thenon-systematic index alarm mechanism absorbs the experiences in the developed countries, and consists of the indexes of credit risks, floating risks, operation risks and capital risks, while the systematic index alarm mechanism establishes the indexes for macro economic situation and financial fragile, in which the former includes the indexes of the overall economic situation, economic structure, international balance of payment status and the components of the economic foam, and the composes of the indexes of banking credit and the monetary, currency and financial indicators as its basis.Lastly, chapter four uses the representative index and the defined prevention system to test practically the banking risks in China in 2002, so as to prove the specific nature and practical value of prevention index design.
Keywords/Search Tags:banking risk, banking crisis, banking risk alarming system, alarming index
PDF Full Text Request
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