explore current bank credit risk and prevention（探索当前银行信贷风险和预防）.docVIP

Explore current bank credit risk and prevention Abstract: loans to enterprise development and personal consumption is one of the main business activities of the bank, but, as long as the funds out the door of the bank there is the risk of not being paid from the book point of view, the non-performing loan ratio of the major commercial banks by the end of 2004 capital adequacy ratio was 13.2%, the vast majority of commercial banks has not yet reached 8% of the legal and regulatory requirements. To this end, Preventing and Eliminating the credit risk problem is solved by the state-owned commercial banks, must be taken seriously enough and take early measures to protect themselves. Keywords: banks, credit, credit risk, prevent Abstract: to enterprise development and consumer loans is the main business activity, but as long as the funds out of banks had doors to Shoubu Hui risks. Book from the point of view, the end of 2004 the major commercial banks non-performing loans ratio stood at 13.2 percent; the vast majority of commercial bank’s capital adequacy ratio of 8% has not yet reached the statutory regulatory requirements. To this end, to prevent and resolve the credit risk is the state-owned commercial banks need to solve the current problems must be given sufficient attention at an early stage and take effective measures to guard against. Keywords:: bank credit; credit risk; guard The causes of the credit risk First, the excessive debt of state-owned enterprises, poorer efficiency in recent years, the development of China’s economic difficulties, the state-owned enterprise reform difficult cash flow problems, the ability to resist risks is very low when a slight change in the market, marketing difficulties mainly capital campaign immediately blocked, greatly reduce the solvency directly affect the safety of bank loan funds in this case, the enterprise risk will inevitably be passed on to a considerable extent the bank. Secondly, the bank mana