Study On The Problems And Countermeasures Of Chinese Commercial Banks' Credit

Credit is the operation of money which embodies the production relationship of different owners. We could conclude that it is a typical value movement on the condition of money repaying from its operation, and it is also the currency collecting and lending about commercial banks from its attribute. In these banks, it means all kinds of short or long time commercial loans, foreign trade, exchange loans and so on.Credit operation will be one of the most effective ways for commercial banks to gain profits in the future for a long time, and its benefit seems hold the balance of commercial banks. The Central Bank suggested that commercial banks should optimize the loan structure , strengthen loan market and adjust loan decision , because most loans are lent to big companies and groups, which leads to high and uncontrolled risk.This thesis concludes two modes used in choosing before loans and adds non-fiscal facts in loan decision, which could act as the theory basics of excluding bad loans.The thesis also analyses the implement situation of five-level taxonomy, points out the bad result of this risk method about loans, and gives the countermeasures at last.