The Study On Commercial Banks Staff Moral Hazard Prevention

Commercial banking moral hazard on the banks of the operation and management, profit levels, credit and other risks poses a great threat to prevention. In recent years, due to moral hazard in the commercial banks do not have enough understanding of China's banking industry as a case of moral hazard caused by continued, seriously disrupting the normal operation of the financial order, causing huge losses to state property. The last two years from the occurrence of the circumstances of the case analysis, since commercial banks weak sense of moral hazard level employees, grass-roots workers by commercial banks triggered the rise in cases. Therefore, for commercial banks, moral hazard level employees can not be avoided to prevent the issue has been placed in front of us.This article is divided into five chapters. The first chapter, described the papers of the problem, research purpose and significance, literature review, proposed research methods and study this idea. The second chapter in the typical case analysis based on the staff of commercial banks, moral hazard, the type of grass-roots to come to the induction, and discusses its characteristics and dangers. The third chapter, employees from the commercial banks causes moral hazard and the specific environment of the historical background, analyzes the factors that create moral hazard because the objective to produce the values and ideas of moral hazard factors causes; The fourth chapter moral level employees based on the risk of commercial banks causes macro-and micro-systems, laws and regulations, banks organizational structure, bank managers at all levels, banks level employees, external regulators, and several other aspects of recommendations accordingly. The sixth chapter is conclusion.