【文章內(nèi)容簡介】
istic of bank risk, special systematic original cause, jointstock reformation and administration structure which are regarded as primary mesures has important theoritical and realistic meaning. Chapter one expounds the forms of China bank risks at first. The credit risks ,especially assets credit quality of stateowned mercial banks, are the most outstanding financial risks at present。 Although the liquidity risk of the stateowned mercial banks has not appeared ( concealed by high deposits rate of the residents temporarily), the potential difficulty in payment increases 。 Financial crisis is mainly manifested in the stateowned mercial banks, a serious shortage of capital and operating profit both virtual surplus real losses, in addition ,there are still serious exchange rate risk, interest rate risk, crime risk and so on. In this part, the characteristic of China bank risks is also put forward,which includes concentrating, hidden and social characteristic. Concentricity refers to indirect financing mode is adopted in Chinese enterprises in the main and Chinese bank risk mainly lies in the stateowned bank。 disguise mainly refers to improper operation of banks will not lead to bankruptcy of the bank itself but generally prompt the investment in moary base in Central Bank of China and trigger high inflation, which will be assumed by the public。 sociability refers to bank risk will trigger bank crisis and may lead to social turbulence and further shock and overthrow a state regime. Our bank risk of high lurk in China, so why not banking crisis erupted our bank risk? How is the generation and accumulation in the second chapter? Trying to answer these question. China is planned economy to market economy, the stages of transition to the implementation of the policy of economic regulation stable left a large space, five pillars of the Chinese banking system, namely high savings, internal financing smes rapid growth, strong export to o