On The Instirutional Risk Of Commereial Banks Credit Operation In China

After nearly30years development, especially into the21st century, China has gradually integrated into the wave of financial globalization, China’s banking industry has achieved a great development,whether in the variety of business, the scale of development, or the innovation ability and management level.In recent years, in the environment of our country’s economic growth, the state-owned commercial bank constantly increasing the supply of credit, the credit risk management of commercial banks has increasingly become the important contents for sustainable development. Especially in the current complex and volatile international economic and financial situation, China’s commercial banks still need to Crossed the barrier--the quality of loan,in order to maintain a good momentum of sustainable development.By observing the growth process of the Bank of China, Industrial and Commercial Bank of China, China Construction Bank and Agricultural Bank of China, we find that the Development of four banks in Stock market is closely linked to the Government to inject huge sums of money stripping the non-performing loans. Moreover, the current proportion of non-performing assets of state-owned bank will continue to downward, and the new non-performing loans continues to increase, the control of the quality of credit assets has become a very important day-to-day work to commercial banks. Especially in recent years, with the changes of national macro-control policies, market conditions and business, the credit risk of commercial banks showing new features and new trends. How to improve the management mechanism and effectively prevent and resolve the credit risk are the current problems that commercial bank need to be solved. Through the analysis of the cause of non-performing loans of state-owned commercial Banks of our country, the author find the non-performing loans produced by the institutional risk accounted for larger proportion and the business bank of our country faces from all aspects of the institutional risk.The main significance of this thesis lies in finding out effective way to improve the quality of assets of commercial bank through the analysis of a variety of institutional risk that China’s commercial bank facing in the course of credit management.The institutional risk be analyzed in this thesis includes not only the commonly referred to as macro-economic system risk but also the medium industry system risk and micro enterprise management policies and the risk of the bank’s internal operating system. The purpose of this thesis is to enhance the credit and risk management ability of China’s state-owned commercial bank comprehensively. It highlight the combination of theoretical research and applied research, makes multi-disciplinary knowledge together and play the advantages of comprehensive research. With this, it enhance the comprehensive, applicability and operability of the research results.The thoughts of this thesis can be listed as follows:It elaborate the theoretical connotation of the institutional risk in commercial bank credit business at first. Then study the theoretical roots of the formation of commercial banks institutional risk under the market economic system. It analyzes the characteristics of the institutional risk in China’s state-owned commercial credit business from both internal and external. It gives further analysis of the process and produce mechanism to various types of risk and uses empirical analysis method to draw research conclusions. At last, it gives policy suggestions of the ideas and strategy to the institutional risk prevention in China’s state-owned commercial banks. The thesis draws on predecessor’s research achievements and gives my new opinions.