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Research on Control the Risk of Commercial Banks ’Credit by Law

Author: YangJiaNi
Tutor: ZhangMingSheng
School: Nanjing University of Aeronautics and Astronautics
Course: Economic Law
Keywords: Commercial Banks Commercial Bank Credit Risk Legal Control Financial regulation
CLC: F832.4
Type: Master's thesis
Year: 2010
Downloads: 225
Quote: 2
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Abstract


The process of integration with the world economy, especially in China's accession to WTO, China's commercial banks face intense competitive pressures at home and abroad, to bear more risk inside and outside, to the white heat of competition in the market and stable development of commercial bank credit risk legal control has become imperative. And it turns out, the formation of commercial bank credit losses and breach of statutory operating norms and procedures closely, there is no perfect laws and regulations, commercial bank credit risk will increase. The more developed financial markets has improved laws and regulations, but also by good execution, which are better able to help them guard against credit risks and maintain financial order and promote the steady development of social economy. This paper is divided into six parts: Part I: Introduction. Illustrates the research significance, research background, research status and research methods. Part II: Commercial Banks' Credit Risk and the need for legal control. Defined the concept of commercial bank credit risk, summarizes the types of commercial bank credit risk, credit risk of commercial banks demonstrated the necessity of legal control. Part III: commercial bank credit risk situation and its causes. According to China's commercial banks, credit risk, analyzes the commercial bank credit risk arising from internal factors, external causes. Internal factors including credit approval power distribution system is not perfect, information sharing between commercial banks system is not perfect, commercial banks' internal credit control system is imperfect, personnel selection mechanism, etc., based on external factors including market economy is not perfect, the borrower credit crisis , disorderly competition in the industry, not a sound legal environment and other aspects. Part IV: foreign commercial bank credit risk control related to legal analysis and reference. Respectively, the U.S. personal credit system and the deposit insurance system, the UK's management responsibility system, Japan's information disclosure system were analyzed and summarized these systems to China to establish and improve relevant systems of reference. Part V: Commercial Banks' Credit Risk Status and Problems of legal control. Elaborating on the control of commercial bank credit risk on the basis of the existing legal system, analysis of China controlled commercial banks and the legal system of commercial banks in credit relative to the many aspects of internal control deficiencies. Part VI: Improving the legal commercial bank credit risk control recommendations. On the one hand, from a commercial bank credit both internal and external proposes strengthening the legal commercial bank credit risk control recommendations; hand, from a security interest in the loan classification standards implementation and other aspects of the credit risk of commercial banks to strengthen the legal control recommendations.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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