Research On Credit Risk Precaution Of The State-owned Commercial Banks In China

The state-owned commercial banks have played an important role in supporting the fast developing country economy since the china's reformation. Stable development of state-owned commercial banks is an important part of finance stabilization and the precondition of fine development of macro-economy. Now, an difficult problem of commercial banks to affront is how to eliminate credit risk better. By comparing to Singapore commercial banks and American Citibank credit risk management experience and studying the reason of credit risk of the stated-owned commercial bank, the thesis brings forward the methods of keeping away credit risk from the interior and exterior factor of commercial banks.The thesis is based on the understanding of the above idea. The first passage of the thesis analyzes the significance of keeping away the credit risk of the state-owned commercial banks and summarizes the contents of the article. The second passage of the thesis compares state-owned commercial banks to Singapore commercial banks and American Citibank credit risk management experience in order to get revelation. The third passage studies the interior factor and exterior circumstance of state-owned commercial banks and analyzes the reason which brings on credit risk and discusses the exterior condition which prevents the credit risk of the stated-owned commercial banks. The fourth passage discusses the analysis and precaution of the credit risk from fore-and-aft based on the analysis of the third passage. The fifth passage studies the exterior environment to keep away the credit risk. The sixth passage analysis how to construct the system of keeping away the credit risk.