A Study On The Loan Risk And It's Management Of China's State-owned Commercial Banks

The state-owned commercial banks are playing an important role in disposing resources to construction of socialism market economy, while the substantial non-performance loans result in the diffculty oftheir operation and lacking efficient fund-supply to social sustainable development. Based on financial opening up to outside and the loan risk and the loan risk management being taken as a subject, the loan risk management system and rectification of non-performance loans as well as supervision to commercial bank in western countries are observed and studied. Moreover, the gap in risk management between China's state-owned banks and their foreign counterparts is looked for and the specificreasons causing non-performance loans in china is also analyzed.At last, several policy suggestions to enhance the risk management level of state-owned banks are submitted .