Explore, Construct China's Commercial Banks To Risk Prevention Mechanism

This article totally includes five main parts, In each part , the author discusses respectively about the characters and the forming reasons of the risks that china's national commercial banks are now facing in their system changing period and how to build risk preventing system .Part one Based on the introduction to national commercial banks' system, operating backgrounds and risk conditions , the author mainly researches the risk characters of national commercial banks in their system changing period . The characters have seven facets and the basic facet is systematic character .Part two The author analyzes the forming reasons of the risks existed in national commercial banks in their system changing period from four different view points as central bank .national commercial banks .government and national corporations .The analysis' basic content is unbalanced system and it helps to found the theory basement for the following parts.Part three The author Investigates and learns some advanced experiences and managing methods from western country's commercial banks .From seven facets, the author puts forward how to build our national commercial banks' risk preventing system and emphasizes the importance of perfecting internal control mechanism . Part four Basing on the third part, the author discusses how to build external risk preventing system from the perspective of the relationship founded with central bank .government, corporations and other commercial banks.Part five From the perspective of information economics , the author analyses that the basement of credit mechanism is property right .At last,after studying the fruits of some native scholars' research work , the author puts forward some personal opinions and emphasizes the importance of deepening our country's reform to build commercial banks' risk preventing system .The analysis in this article to the characters and forming reasons of our national commercial banks is comprehensive and particular , especially the analysis to the systematic defects and it really has much academic value .The key parts are the third and the forth section , and they are also more innovative sections .Fully using the advanced western managing theories and methods as reference ,from five facets the author puts forward how to build our national commercial banks risk managing system . Emphasizing the importance of building up internal control system , the author discusses from six different facets respectively . In the discussion of the building of external system , the author extends the discussion from central bank to government function , national corporation's reform ,financial competition and so on ,so that it makes the article more comprehensive and enriched.