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    188宝金博页面版: 中国商业银行信贷扩张与风险研究

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    内容提示： AbstractCommercial banks are enterprise operating in high-risk lending and deposit business.and its business risk has a strong conductivity and destructive, so they should always adhere to sound business philosophy. However, since the early eighties last century, several outbreaks of foreign banking crisis, many commercial banks went bankrupt in these crises. These banks existed widespread imprudent business behavior in operations. This article s...

    文档格式：PDF | 页数：151 | 浏览次数：8 | 上传日期：2023-08-19 06:13:33 | 文档星级：
    AbstractCommercial banks are enterprise operating in high-risk lending and deposit business.and its business risk has a strong conductivity and destructive, so they should always adhere to sound business philosophy. However, since the early eighties last century, several outbreaks of foreign banking crisis, many commercial banks went bankrupt in these crises. These banks existed widespread imprudent business behavior in operations. This article suggests that the Chinese commercial banks have strong credit expansion impulse. The root reason of credit expansion is the impulse of commercial bank executives, especially the ^'number one" president, political motivation and the control of insiders tend to develop aggressive business development plan, and through xinreasonable assessment system into branches at all levels credit expansion impulse. Chinese commercial bank's risk management system has not been folly realized vertical management, so it is difficult to ensure the independence of the risk management decision-making, and therefore can not suppress the urge to branches of credit expansion. Meanwhile, the bank's risk management department insiders control led to structural imbalances in credit, and banks put in too much to risky real estate industry, local government in financing platform loans.In this paper, according to "find the problem - analysis the problem - solve the problem ” mode, the logic of ideas gradually unfold. By summarizing the literature and principal-agent theory, this paper discoverer the existence of excessive credit expansion of commercial bank operations and risk propensity. Through the analysis this paper pointed out that Chinese commercial banks have strong credit expansion impulse, has its roots in commercial banking headquarters and senior management level (especially the "number one" governor) of internal control. Credit expansion impulses cause Chinese comm^cial banks put too much loans to the field of overcapacity industry, such as real estate, local government financing platform loans. In order to guard against and defuse Chinese commercial bank's credit systemic risk, the paper separately from the operational level and corporate governance (including risk management framework) level gives some suggestions.

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