The situation of state-owned commercial banks' credit assets is a hot topic of public concern, especially after accession to WTO and enter of foreign banks as a result competition is becoming more and more tough.
As an economic activity, the credit business of commercial bank also has moral risk. Such risk influence the running of credit business directly, and is a great threat to the capability of gaining profit, to the structure and security of capital, to the fame of bank, and to the controlling against other hazards.
We'll analysis the meaning, origin, and characteristics of the moral risk. And we'll try to find and take effective measures to control the moral risk in credit business of commercial bank from varieties of angles and fields.