| It is not a new problem that credit is centralized As for individual of financial Institution, it is the rational choice that the bank improves the economic benefits. However, in the long term, credit centralized often reflects as a kind of rational nearsightedness, namely consider excessivly at present the risk is evaded, do not know the risk in the future and concentrate the question abundantly perspectively It is a rational behavior of the commercial bank that credit is centralized , And the respect of decision authorities must receive But credit centralized , in the long run, will have caused the potential systemic risk. We can't take administrative means to solve this problem , otherwise will cause administrative interference and very high morals risk.The first part of this text is mainly the summaries of the credit risks. The centralized risks caused of credit are not only in the credit risks, but as regards reality of our country, the credit risks are still focal points of risk management of commercial bank.Second part Probe into the current situation that the commercial bank credit concentrates mainly. Because of the effect of flocks of sheep in the financial field, credit not merely appears centralizedly in the state-run commercial bank, have involved the commercial bank of the shareholding system .Though credit centralized has certain certainty nation, the negative effect can't be ignored..The third part is a subject part of the thesis Almost all the countries have all kinds of decentralized rules, and it's purposes lies in restraining the bank from credit concentrating on the specific customer and the group of customer of the one-sided economy risk.The fourth part is the temporary lodging of the thesis. It Probe deficiency and perfection accused of in credit centralized of our country.
|
PDF Full Text Request