Assets Of State-owned Commercial Bank Credit Risk Prevention And Control Of Legal Studies

The finance is the core of modern economy. The state-owned commercial banks are main body of our country finance industry. Presently, the state-owned commercial bank generally has problem that credit property risk is high and hidden risk danger is major, not only seriously weaken the competitive ability of state-owned commercial banks, but also endanger their survival and development. Although after the stock transformation, the bad loan of state-owned commercial banks realizes "double has fallen", but the state-owned bank management system and the management mechanism hadn't truly transformed, the system foundation still exist that produce bad credit property. It should become one main work of state-owned commercial banks to guard credit property risk. The bad credit property of the state-owned commercial banks is also closely connected to lag law system construction of our country. In order to guard against and melt the credit property risk, the government must practically strengthen the government by law construction, diligently realize the financial government by law. Through analyzing the present situation, harm and origin of credit property risk in state-owned commercial banks, This paper carry on the discussion to guarding against and melting the credit property risk by the legal method.First chapter is introduction. This paper carries on the analysis to the writing background, and carries on the elaboration to guarding credit property risk by the legal method .Second chapter discusses the present situation and harm of credit property risk in state-owned commercial banks. The paper carries on the elaboration to the present situation and harm of credit property risk in state-owned commercial banks, points out that the credit property risk has the huge harm not only to state-owned commercial banks oneself, but also to the entire national economy.Third chapter origin analyzes credit property risk in state-owned commercial banks. The paper has carried on the analysis on extra factors that produce the credit property risk of the state-owned commercial banks and interior factors of banks. This analysis has laid foundation on guard credit property risk by using legal method .Fourth chapter elaborated the significance to guard against and melt the credit property risk by using the legal method.Fifth chapter discuss how to guard and control the credit risk of state-owned commercial bank by legal method.Including:(1) By standarding government's behavior,this paper elaborates the idea that the government should paies equal attention to intervening the economy and to restraining its behavior to intervene the economic activity, and points out that the government should transform his function to manage economy ,primarily manages the economy by the indirect approach, and establishes and perfects society credit collection system, maintaines credit order, and increaseslaw enforcement surveillance , creates good social credit environment.(2) Strengthen bank credit risk regulatory. By elaboration on the goal , main content pattern of bank credit risk regulatory,the paper propose that the organization should strengthens cooperation of supervising to adapt the credit risk supervising under the mixing finance management need ,and suggest that the government should Strengthen financial supervising legislation and so on. (3) further consummates the legal management structure of the state-owned commercial banks, establishes scientific and effective risk guard and internal control mechanism in the state-owned commercial banks. (4) Advance reform of state-owned enterprise, speed up establishment of modern enterprise system, establish the standard legal management structure of companies.(5) Establish individual bankrupt system. (6) Advance positively financial property turn to negotiable securities, enhance sufficient rate of capital and anti-risk ability.Sixth chapter is summary and forecast. The paper has carried on the summary to the full text, and the forecast for using the legal method to guard credit property risk .This article have the model significance that guard against and melt the state-owned bank credit property risk by legal method.