Study On The Causes And Countermeasures Of Credit Risks In The Chinese Banks

Under the current more widespread commodity-monetary economic condition, the credit risk's occurance has the inevitability and feasibility. Along with the development and application of the science and technology, the foreign exchange becomes further expansion, and the original property's revaluation or depreciation are often out of the bank's expectation. In the microscopic aspect, the bank is the financing intermediary, if the investor's any decision-making, management and the operator's any operation have any fault, all these can take the bank asset loss. In the macroscopic aspect, the economical non-balanced development is the habit, and the equilibrium development is not the habit. In the economical movement, because of each kind of uncertain element, the country is very difficult to realize the balance between the total social demand and the social accumulation with the expense and the economic structure. As the financial industry, the commercial bank inevitably are affected by the country monetary policy, the industrial structure adjustment,the foreign policy, the domestic and foreign politics economic environment.Therefore, from the macroscopic angle or the microscopic angle, it is inevitable that the bank faces with various risks.Because the credit is the bank prop service, this thesis's goals are to research on the reason of the credit risk and how to effectively reduce or even to prevent the risk occurring. But the person's behavior is the most complex factor in the multitudinous risks, and this also causes the risk's occurrence to bacome more difficult to expect and deal with. Therefore, this thesis's core content is to research on the Countermeasures of the credit risks.This thesis can be divided into six parts. Firstly, this thesis elaborates the research goals and significance, and then carries on the summary to the domestic and foreign research present situation, and then proposes the research content and the methods. Next, this thesis introduces the definition of the related concepts, and simultaneously analyzes the foundation principles. Thirdly, this thesis carries on the analysis of the credit risks, and builds the foundation for the following Countermeasures of the credit risks. Fourthly, this thesis studies the influence of the person's behavior choices for the credit risks, and this builds the foundation of the Countermeasures of the following credit risks research from the person's behavior angle. Fifthly, based on the former research, this thesis carries on the research of the Countermeasures of the credit risks. Finally, this thesis carries on the full text summary, and briefly elaborates the correlatted further research direction.This thesis does the research from the domestic and foreign credit's present situation. And then through the analysis of the present credit industry's present situation, this thesis discovers the latent risk factors, and then conducts the research on the risk manifestation and the essential characteristics, and then finds the root of the credit risks, and discovers the risk's certain measures. At the same time, this thesis also comprehensively elaborates the person's special function in the entire credit process, and there is the significant relation between the risk's occurrence and the dodges with the person's behavior choices, then this thesis carries on the elaboration of how to avoid the credit risks through the person's behavior choices.