The Credit Risks Of The State-owned Commercial Banks And The Legal Regulation

After China joined into the WTO, with the acceleration of reform and opening, the state-owned commercial banks in our country are facing all kinds of challenges from domestic and international risks. So to win in the fierce market-competing, it is necessarily urgent for our state-owned commercial banks to manage the credit risks and take some precautionary measures in legislative ways. This theses is divided into the three following chapters:Chapter One discusses the basic theory of the risks of state-owned commercial banks. It mainly states the concept, class of the credit risks of state-owned commercial banks and discusses its importance and special advantages to carry out legislative regulation. Chapter one formulates the theoretical scheme of the next analysis.Chapter Two discusses the three reasons why the credit risks exist in the state-owned commercial banks. The external reasons include the five following parts. One is the malpractices from the government; the second is the ill performances of enterprises management; the third is the futility of legislative system; the fourth is the arbitrary competition in the market .and the last is the foundation imperfection of market economic. The internal reasons include the management mechanisms, business management, supervision and control and the lacking talents.Chapter Three discusses the legal tactics that guard against the credit risks of state-owned commercial banks. Firstly, the paper discusses the legal tactics from the state-owned commercial banks inner management angle. The legal tactics include the following five parts: perfecting the inner institution establishment; perfecting the legal intervening mechanism; strengthening the management after credit; perfecting the inside control mechanisms and intensifying the education and training of the business management. Secondly, the paper suggests the government should deal with the relation between the state-owned commercial banks and its external surroundings to prevent the credit risks. It demands the government should change the function and depart the enterprise from itself, establish the mutual mechanism between the banks and enterprise, strengthen the legal construction and perfect the legal entity system of the state-owned commercial banks. Finally, the government should pay more attention to strengthen the finance supervision to prevent the credit risks of the state-owned commercial banks.