China's Commercial Banks Risk The External Formation Mechanism And Countermeasures

The past 20 years, the international financial crisis has broken out again and again , such as British Bahrain Bank' bankruptcy , which cause domestic and international concerns. Asian financial crisis in 1998 let people go through one nightmare especially, the currency of Thailand , Philippine , Malaysia , Burma and Indonesia was competitively dropping in short several months, Japan and S.Korean of the international powerful countries face the serious crisis. Hong Kong has gone through the severe test too. None of countries would like to see such a financial storm takes place in oneself one day. so, it has already been a world subject to take precautions against financial risks.After this, the financial working conference of our country had already regarded it as an important task of economic work to dissolve financial risks clearly. The commercial bank is regarded as the main body of the financial market of our country, is the main carriers of financial risks of our country, it has already become the focus of financial risks, our country was planned economy country for a long time, market economy has got considerable development since reform and opening-up, but still immature , imperfect. The bad loans of our bank is No.l formidable enemy of the economic growth and financial stabilization, national control degree of bank in our country is higher than it in most new developing market in Asia. Under so special national conditions, the risk of the system of bank in our country has particularity even more.The scholars of our country studied a lot to the inside risk of the system of bank in our country. This text mostly researches of outside risk of bank, because these external reasons can cause the enormous risk to bank, even cause the crisis. This is just the innovation of this text.This article adopts analytical method of theory and practice mainly.It is divided into six chapters: Chapter one, introduction, which briefly exlains about writing background, research approach, innovation point and domestic foreign studing; Chapter two, the risk summary of commercial bank, including the concept of the risk of commercial bank , characteristic , behaving; Chapter three, the case analysis of foreign financial risks, these cases give us the certain enlightenment; Chapter four, the external reasons of the risk of commercial bank in our country, including the macroscopical economical operation , policy , administrative interference , financial liberalization , loss of state-owned enterprise; Chapter five,the countermeasure of dissolving the external risk of commercial bank in our country, including keep the macroscopical economic stability, change government's function, slow down financial liberalization, strengthen bank risk supervise , solve the relation of state-owned enterprise and bank , set up deposit insurance system , strengthen inside control of bank; The six chapter summarizes full text. Four,five chapters are focal points of this text.