我国金融业存在的风险及其成因分析（Analysis of the risks and causes of Chinas financial industry）.docVIP

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我国金融业存在的风险及其成因分析（Analysis of the risks and causes of Chinas financial industry）.doc

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我国金融业存在的风险及其成因分析（Analysis of the risks and causes of Chinas financial industry）

我国金融业存在的风险及其成因分析（Analysis of the risks and causes of Chinas financial industry） Abstract: This paper lists and analyzes existing in Chinas financial sector credit risk, market risk, operational risk, risk four risk management, points out the existing contradictions and problems, and put forward the corresponding countermeasures to solve these contradictions and problems and risk aversion. Key words: financial risk; causes analysis; Countermeasures Credit risks (1) the concept and manifestation of credit risk Credit risk refers to the debtor is unable to repay the loan principal and interest due to the risk of. Its outstanding performance is as follows: the quality of bank assets deteriorates and the proportion of non-performing loans rises. Statistics released by the China Banking Regulatory Commission show that as of 3 at the end of 2007, Chinas major commercial banks (5 state-owned commercial banks and 12 joint-stock commercial banks) five classification of non-performing loans amounted to 1 trillion and 161 billion 420 million yuan, non-performing loan ratio was 7.02%. Among them, the balance of non-performing loans of ICBC, ABC, BOC, CCB, the 5 major state-owned commercial banks 10610 yuan, non-performing loan rate of 8.2%, and the provisions of the CBRC issued on May 2006, the reorganization of state owned commercial banks after the non-performing loan rate should continue to control below 5% of the specification, there is a big gap, even the distance before the Asian financial crisis of Southeast Asia Banks non-performing loan rate is less than 6% there is a certain gap; CITIC Bank, China Everbright Bank, Huaxia Bank, Guangdong development bank non-performing loans, Shenzhen Development Bank, China Merchants Bank, Shanghai Pudong Development Bank, Industrial Bank, Minsheng Bank, Chinese Prudential Bank, Zhejiang bank, Bohai bank 12 joint-stock commercial banks 100 billion 420 million yuan, non-performing loan rate of 2.78%. In recent years, although the asset