The Research Of Lack Of Trustworthiness In Commercial Banks

In social credit system, the bank credit pays the pillar and the corpus reputation. It is the bridge that links the national reputation, business enterprise reputation, and personal reputation. In the whole construction of social reputation system, bank credit plays a vanguard role. It Can say, the bank credit normally turns, is the sound and perfect important marking of the whole social reputation, also the sill of the strong and healthy financial system.The present stage is at the critical stage in transformation period of society in our country, because of the historical and realistic reason, some enterprises ignore the basic demand of socialist business ethics and commercial ethics for pursuing short-term interests, harming others to benefit oneself, amass the wealth by hook or by crook, thus enter into mistaken idea of illegal management. The commercial bank, as the subject of the social financial system, its development plays an essential role to economic steady operation. But because of lacking supervise, The law is imperfect, and employee quality reason, cause the disappearance of the credit of the bank. This has destroyed in order nature, fairness and competitiveness of the financial market; cause a lot of adverse effects to financial development environment.But the trustworthiness imperfection is the initial risk that the banking faces, causing the high value of the banking. Each commercial bank did to in great quantities try in the process of guarding against this risk, however, in the concrete credit risk management work, the credit risk management is not only the technique, method, the rules distance and means, more important growing a kind of reputation culture, making everyone has the united cognition, united behavior pattern under the background that the same kind of culture. The banking of our country is not bad in setting up the chapter, what to be in need of is to comprehend and support to combine and carry through the executive reputation environment. It can say, analyzing the present condition, reason of the bank credit imperfection, and drawing up a homologous of solve the measure, That would be of great benefit to the healthy development of the our country banking.