Small And Medium-sized City Commercial Banks Deposit And Lending The Scale Of Risk Control

With the stepping on reforming state-owned commercial bank's system, the introduction of overseas investment in share-holding system bank and more and more pressure of foreign-funded bank's entering China, how to prevent and dissolve financial risk and how to promote the competitive force of medium and small city commercial bank have been a topic of widespread discussion. By analyzing the development trend and manifestation of multinational banks in Europe, America and etc., risk control in deposit and loan scale is a major way to improve the competitive force of medium and small city commercial bank. As a local share-holding system commercial bank, A City Commercial Bank has made a beneficial try and given its devotion in enlarging scale, supporting medium and small sized enterprise and serving the citizens. Facing the fierce competition of Chinese and Foreign banking, A City Commercial Bank has many problems urgently needed solving in preventing financial risk, especially in risk control in deposit and loan scale.This thesis first points out the opportunity and challenge which the commercial bank will face after our country joins WTO. Then, based on analyzing the current situation of medium and small city commercial bank, it puts forward the necessity and realistic meaning of risk control in deposit and loan scale. According to non- reasonable extending phenomenon and various financial risks which widespread exist in medium and small city commercial bank, this thesis elaborates the source and deals with the inner and outer reason for causing it. Finally, taking A City Commercial Bank as an example, basing on many kinds of problems existing in the process of extending its deposit and loan scale, the author puts forward the counterplots and suggestions for risk control.