Research On The Forming And Controlling Of Credit Risk For Joint-stock Commercial Banks In China

Credit risk is the principle risk in the bank operating activity. Although there is a great number of people who are concerned with the credit risk of state-owned bank, as a competitor in financial market, the credit risk accumulated by joint-stock commercial banks is also a dangerous sword of the sound economics system. It is very important to analyze the credit risk for preventing and dealing with the credit risk. The credit risk of the joint-stock commercial banks is studied by the means of the institutional economic theory, information economic theory and industrial economic theory in this paper.The disturbance from government, defects of the banking governance and the weakness of the ability to recognize the credit risk are the three most important factors of credit risk, which is the result of the study on the 200 banking loans. At first, this paper studied how the defects of the banking governance influenced the credit risk of joint-stock commercial banks by comparation of different figures, and found out the potential link between the two. Besides, under the condition of transforming economy, the disturburance of the relation between bank and corporation would worsen the damage of credit link which is done by information dissymmetry. And then, paper studied how the macro factors influenced credit risk of joint-stock commercial banks, such as the defects...