Enlightenment Of American Commercial Banks Bankruptcy For China

The development of human society has a close relationship with credit. Human being’s highspeed development and boom commerce rely on credit’s occurrence and maintenance. The periodfrom the happening of commerce credit to electronic credit, which lasts just hundreds of years,however, possesses deeper significance and more influential impact than the former human historywith thousands of years. Risk, just as it comes, accompanies since the birth of credit. Positivecorrelation within credit’s developed level and risk degree is observed obviously. Is it possible topromote credit level but at the same time reduce risk degree? Naturally this issue comes to attractthe continuous researching attention of academic members and financial community today.Banking industry, which originated in the Mediterranean Coast, has gone through a developinghistory of several hundred years in western countries, but the research of risk theory is still at theinitial stage. As we admit, a lot of manpower, material and financial resources are invested into theresearch expanding of risk theory constantly by numerous financial institutions in westerndeveloped countries, while regrettably, by the years of1990s, few breakthroughs were made.This paper aims at analyzing the impacting elements of credit and risk with empirical methodbased on commercial bank’s measurement and control of credit and risk, and from which, putsforward the related features our commercial banks shall take attention. The research on credit andrisk issue combines normative study and empirical study, and adopts case analysis and comparativeanalysis, through which deep relations are discovered.Our commercial banks are experiencing a hitherto unknown reformation, having limitlessopportunities but also facing enormous risk. From the bankruptcy cases of United States’commercial banks, the commercial banks of our country benefit a lot with the auction of lessons nomatter on the awareness of prevention or on organizational structure, no matter on the riskidentification or risk measurement. We are looking forward to the arrival of spring for China’scommercial banks.