To solve the problems of social credit, we should try to find the ways corresponding with the long-term, mid - term, and short -term aims so as to build up the good social credit order.
The current credit crisis is an unavoidable obstac le in the process of China's marketization This paper carefully analyses the f undam ental causes of credit crisis, and suggests the necessity to convert government function, to harmonize the relationship among all parties, to strengthen credit constraint system, to establish and perfect credit system, and to realize a fund amental improvement of social credit order And thus China's lasting economic p rosperity can be maintained
In chapter three the anti-risk measures to credit risks is suggested as follows: to construct the society credit, maintain the good society credit system, create excellent credit culture, speed up the reforming of the state-owned enterprises, adjust the relation between government and commercial banks, construct and improve the supervision system of finance, build up the credit insurance system and efficient early-warning prediction system, etc.
So analyzing the reason, studying the taics of how to solve the lackage of faith problems, rebuilding the normal society credit system, which has already become the common understanding in insurance industry.
With the acquiring of great achievement in Chinese economy, our society credit order become confused, credit environment become unhopeful , the credit problem has damaged the natural economic development.
With the development of economic reform, it is well concerned that discredit order of the society has become one of serious social problems which disorder the allocation of society's scarce resources. As a result, it enhances the transaction cost of society.
The aulthors analysize the reasons of the difficulties to control improper loan from many different aspects,such as:the transformation of econimic system; the adjustment of production structure; the management of bank credit;
In 1999 Chinese government has priorily set up Xinda Huarong Dongfang the Great Wall these four asset management companies. Within almost three years they have made positive contribution in the aspects of efficiently dealing with bad asset promoting reform and development of state-owned enterprises and state-owned commercial banks maintenancing social credit orders etc. .