Moral Risk Prevention And Management Of State-owned Commercial Banks

The state-owned commercial bank is the banking industry of our country pillar，the success or failure of direct relation our country economy development trend andfuture， because of its position is so important， the four major state-ownedcommercial banks reform issue being a nation-wide concern. This article is from oneperspective--moral risk to pay attention to this reform， hoping for the reform ofChina’s banking industry do mianbozhili."Moral risk" the meaning of the word is： in the economic activities of thepeople in the maximum improve their utility to make the actions of others. In thispaper the problem of moral hazard refers to： and the state-owned commercial banksrelated to moral hazard， it not only includes the state-owned commercial banks asagents to others caused by the moral risk， but also on the commercial banksoperating adversely affects others’ moral risk.Due to the moral risk especially banking moral hazard in the domestic research isnot a long time， therefore this paper from the moral risk of etymology meaning ismentioned， and in related fields at home and abroad theories and banking practice todo a review， these elements are arranged in the first chapter of this article.In the second chapter of this paper on China’s state-owned commercial banksrelated to the moral risk problem undertook comparative systematic andcomprehensive description， these risks include diversification bring moral risk， thelow quality of the employees to bring moral risk， business executive power isinsufficient to bring the morals risk，internal control system is not perfect，the moralrisk banks do not order competition brings moral risk.The third chapter of the previously mentioned moral risk problem， the maininternal and external factors on the bank’s moral wind.Insurance reasons are analyzed. These include： the transformation of theeconomic system in the industry’s rapid development， the thorough development ofthe market economy on the banking industry， the state (government) impact onbanking regulation in place， practitioners of occupation moral consciousness islight， the internal control is not perfect， the internal evaluation mechanism ofscience， practitioners of responsibility consciousness is not strong and employmentshort-term， pursuing the maximization of interests.Commercial banks bring serious moral risk； internal control and externalsupervision is the important cause of the moral hazard problem. The last part putforward some specific measures and suggestions. These measures andrecommendations include： adhere to the scientific outlook on development，promote the banking industry healthy and stable sustainable and harmoniousdevelopment， establishes the perfect bank law， regulation system， improve the efficiency of supervision， strengthening commercial bank occupation moralconstruction， improve personnel moral quality， establish "four in one" system toprevent， minimize moral risk.