A Study To The Credit Risk Guard System Of The Banking

Breaks a promise, puts briefly, is breaks one's word. Breaks apromise the risk, refers to the possibility which opposite party doesnot keep words, says from another stratification plane, usually callsit the credit risk. The credit to the modern economy said the countfor much, speaking of the banking industry, its significance isespecially significant. But, the relative other professions said that,the bank faces breaks a promise the risk to be more serious. Breaks apromise the economical agent theory mainly has: Rational economic mansupposition and income maximization principle.The commercial bank breaks a promise the risk guard system, It's the system with way and so on law, administration, economy to collectand to investigate the market main body the credit situation, causesthe bank when with it contact can adopt corresponding the measure,thus causes the bank the financial risk (mainly is loans risk) to beable to drop the threshold, guarantees the bank fund the fluidity and the security. The theory basis of constructs the commercial bank to break a promise therisk guard system including the information dissymmetrical theory, thetransaction expense discusses with the game theory. The legol basis including Barthel new capital agreement and our country law request. Our country commercial bank breaks a promise the risk guard system the basic overhead construction mainly to including: Drafts the letter system, breaks a promise thedisciplinary punishment system, the credit risk management system.Our country credit risk guard system existence insufficiency: First,advance legislation insufficiency. Next, our country commercial bankcredit risk management system is not perfect, and so on.So the perfect our country bank breaks a promise the risk the guardsystem we must: according to new Barthelcapital agreement request; the perfect credit risk disperser and the risk early warningmechanism; consummates the guard credit risk legislation; theconsummation breaks a promise the disciplinary punishment legislation; optimizes the bank interior risk management system,; perfect bank credit risk supervisingand managing system, and so on.