| Banking crisis never ceases its occurrence since the appearance of bank. Great depressions took place since 14.15 century in Italy till 1929-1933 in west countries in banking. Bankrupt of banks are common occurrences. Since 1980, according to abundant reports of the developed countries, developing countries & transformative countries, banking sector problems have plagued at least 2/3 of 130 member countries of IMF during 1980-1996. Moreover, the banking crisis frequency in eighty and ninety era was higher than in seventy era & much higher than in fifty sixty era during twentieth century.The paper has defined the bank crisis concept and system discussion the bank crisis origin. Divides the bank crisis origin into three kinds: Microscopic reason, macroscopic reason and system reason. Then has discussed the bank crisis infection and its the way.Nowadays, series of problems exist in Chinese banking. Following are some main points: bad assets occupy commanding portion, low capital adequacy ratio, weak profitability and capital liquidity. Up to now, only one developing bank of Hainan had been closed down. These serious problems in banking system haven't bankrupted the state commercial banks of China. It seems a enigma of China. The paper holds that two essential factors cause the stability of Chinese banking system: nation credit & persisting increasing deposits caused by accelerating development of Chinese economy.When China Joined the WTO, our country banking industry's stabilizing faced with many challenges.The abundant unstable factors in Chinese banking enhance the urgency of the research on banking crisis. The paper just analyze the factors causing the instability of banks, and indicate the impact of them on banking crisis .In addition, the paper also gives a look on early warning of impending banking problems with fuzzy cluster analysis method . At length, some personal reflection & proposal on establishment of banking secure net are put forward.
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