The Study Of Bank's Credit Risks And Chinese Credit System Building

The credit problem is not only a new domain in the investigation of economic theory but also the great puzzle during the operation of practical economy. With the establishing of socialism market economy, government/enterprise and individual constitute the main bodies of market. However ,in our country some kind of anti-credit phenomena, comprising breaking promise or breach of faith come out ,result in the natural economic development and stability of money market. Therefore, to systematic analysis and search into the credit problem is not only practical demand but also an unavoidably important subject in the economics investigation.The article has borrowed some reasonable factors from western economic theory , adopted much example to analysis investigated the essence connotation/construction feature / value significance and money-risk feature deeply and systematically from the point of economics ; To economic transition social credit of period lack state and drawback that credit system store in analyse in our country, And use a large number of instance focal points to the credit crisis of the bank at present of our country Various kinds of phenomenon on (namely huge non-performing assets of state-run commercial bank ) go on in detail describing, And analyse the reason why the credit crisis produces from the respects , such as system , history , law ,etc .On the basis of consulting credit system at present of developed country abroad, Proceed from our country's actual conditions ,Have proposed what reform credit system principle , train of thought , goal and concrete measure of our country it is. At the article end, Put forward one meet of our country bank take precautions against enterprise credit evaluation system and detailed assessment ration of credit risks and determine the nature the assessment method,And verify the practicability of evaluation system to come through case analysis.