| China's successfu1 entry into WTO on Nov.10th,2001 indicates that China's economy will step into a new developing period. China's finance will be integrated into the global finance.Making finance functions in a wider range,economic globalization makes financial risks function in a wider range. Moderm market economy characterized by risks is a highly monetinized and creditinized resource-distributing mode,in which all kinds of risks in economy running will be in various ways,eventually,center on and take the form of credit risk,the most fundamental type of risk in a financial system. Under the condition of market economy,the degree of credit risk fundamentally determines whether a financial system is stable and whether it can develop healthily and successfully,which is most obvious in economic system-shifting countries and developing countries,with the Southeast Asian financial crisis being an illustration. Therefore,the management of risks especially credit risks in the Chinese state-owned commercial banks must be strengthened,effective management of credit risks have to be based on a perfect and healthy management system.This thesis is to focus on the management system of credit risks in the Chinese state-owned commercial banks. Firstly , following the definition of the concept credit risk,it clarified all kinds of forms credit risks to take and their respective features. Then it put its emphasis on the research into the systematic factors,macro and micro,contributing to the credit risks in the Chinese state-owned commercial banks. Lastly,according to the new Basel committee on banking supervision,it put forward suggestions for perfecting the system of controlling and managing credit risks in the Chinese state-owned commercial banks,pointing out the measures to achieve this goal was to establish macro binding mechanism of credit risks,and to unify and standardize the banks' internal controlling system and external controlling system of credit risks. |
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