As one of the main assets of the banking business, the loan assets to the campaign is a "separation of powers, to repay on schedule" for the special value of the nature of sports. In real economic activity, the bank's credit activities will be affected by the realization of the uncertainty of unpredictable factors, such as bank loans so that funds may be subject to loss of the incident. Mainly due to loans and loans on time to recover the depreciation and so on, so take risks. State-owned commercial banks from the current loan status of asset quality, the more severe form.
Administrative intervention by the Government risks. In accordance with the objective requirements of economic development, state-owned banks are the main fund allocation, the Government is limited to macro-control functions. However, in reality, as the state-owned commercial banks, although in terms of personnel, administrative, business, free from direct government control, but does not mean freedom from government influence. Configuration as the main body of funding, the Government has not from the actual operation of the exit, did not play down the center, often part of the project investment is not high, the formation of precipitation loans.
Social security mechanism for the risks associated with hysteresis. Unemployment benefits as a result of the social system is imperfect, the insolvency of state-owned bank loans and spread risk can not be directly transferred. Business and society has not been solved, the production company financing gap left bank loans, the risk of pressure on the formation of the loan; enterprise security systems, so that bank loans could not preserve the security of assets, an increase of the probability of loss. Legal system and the risks associated with, despite being out of China's banking law, Law of Bills and many other laws, but most of the content of these laws is relatively simple, some of the content to be updated and revised,
And some law and policy that runs counter to some of the country, the banks will be in the preservation of claims have greater resistance, increased the risk of the bank's credit business. Lack of scientific operation and management of risks. State-owned commercial banks lack of scientific and standardized way of the operation and management of the main problems: the effectiveness of the operator of the first place, and ignore the security risks: There is no established right to select a sound management system, etc., once the loan problems, it is difficult to distinguish responsibility, let alone be held accountable.
Borrowers (enterprises) will of uncertain repayment risks. Borrowers (enterprises) and their willingness to repay (Official) credit related to repayment ability of borrowers (enterprises) are not necessarily strong willingness to repay; repayment ability of borrowers (enterprises) are not necessarily the wishes of poor loan repayment . In addition, credit is difficult to compare the accuracy of the inspection, to determine. Therefore, the borrowers repay the wishes of a lot of uncertainty, this uncertainty is bound to bring a certain degree of risk.
In order to effectively prevent and resolve the state-owned commercial banks of credit risks, to avoid the resulting financial turmoil and economic risk, through the above-mentioned commercial banks of China is currently facing the cause of the credit risk analysis, we can proceed from the following aspects of governance of commercial banks credit risk.
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