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The Measure Of The Bank How To Prevent Credit Risk

Posted on:2009-10-09Degree:MasterType:Thesis
Country:ChinaCandidate:F GuoFull Text:PDF
GTID:2166360242477582Subject:Law
Abstract/Summary:PDF Full Text Request
There are Credit risk in any field of trade activity and market investment. As everyone knows, the relationship between Credit and risk is inverse proportion, the better one's credit is, the less risk one has. On the contrary, the worse one's credit is, the more risk one has. The actuality of credit in our country is that there is an absence of credit. Almost every kind of main body has badness in credit. Many enterprises try to escape from debt with a lot of methods, which will influent the benefit of bank. So how to prevent and dissolve the credit risk in loan becomes a more and more important problem. This article is just based on this problem. The whole passage analyses the development and problem of loan assurance in China commercial bank, and try to give some ideas to resolve those problems.The first part presents a brief introduction of the enterprises'credit and the basic risk of the bank. On the beginning the article expounds the status quo of the credit in enterprises, and analyses the problem in the angle of law. Then gives the definition, classified the types, analyses status quo of the loan credit risk of the commercial bank. At last this part analyses the reason of the loan credit risk of the commercial bank from the point of view of law.The second part is the part to find the problem, which analyses the status quo of the bank how to prevent the loan credit risk. This part mainly introduces the three way, guarantee, hypothecate, and impawn which are usually used in the system of the bank to prevent the risk of enterprises'credit. On the basis of combining the development practice of loan security, the article analyzes the main problems existing along the development of loan security in China: vain security, unsatisfied security, fault security. It also gives deep exposition to the concrete manifestation of these problems and identifies there are much contradiction between the law theory and financial practice.The third part is about the countermeasure of credit risk. This part is to resolve the problem, which is the most important part in this article. Through analyzing the problems existing in loan security, the writer thinks what is necessary for China to develop loan security is to change and improve legal protection system for loan security and suggests some solutions to the existing problems: a) to change and improve the law system. The author analyzes the "Security Law", the "property Law" and the "Loan Rules" here, and the purpose is to shorten the distance between the theory and the practice. b) on the base of the law we must seek the best methods actively to avoid loan risk.
Keywords/Search Tags:commercial bank, credit risk of enterprise, legal prevention
PDF Full Text Request
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