The bad loans are not only caused by the outside factors such as government intervention,macroeconomy policies,state-owned enterprises deficits and social credit vacancy but also inside factors such as unscientific management,imperfect system,improper operations and managerial information asymmetry.
Develop the bills market should fit in with improving financial service, promoting commercial banks to change management way, improving social credit system, strengthen construction of finance and legality, avoid bills risks, build up information system of bills business, quicken the course of bills market.
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.
The system of personal credit is the important constituent in the whole system of society credit. There is realistic significance for promoting the development of Beijing economy in that builds up the system of personal credit as soon as possible. In view of macro analysis, that builds up the perfect system of personal credit can maintain the order of Beijing market and advance the economical efficiency, so accelerate the growth of Beijing economy.
The keys to resolve "sparing loan" lie in deepening the reform of state-owned commercial bank, constructing perfect credit surety system and ruling society credit relations.
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.
There are many factors to restrict the development of our enterprise bond market development, such as imperfect law and code, disfigured issue system, distempered society credit system and issued enterprises' problems, etc. Thus the correspond measurements must be regulated with perfecting correlation laws and systems about the development of enterprise bond market in order to encourage and advance our enterprise bond market to develop healthily and sequentially.
Finally, the author puts forward in conclusion that to resumethe true colors of trust trade , you must catch the chance of constructing the social credit system to achieve the goal by new viewpoint, having new credit system.
analyses the necessity of developing financing paper market in our country from several aspects: extend the types of paper instrument, low the supervision cost, develop and improve the transaction of commercial banks, resolve the financing difficulty of middle and mini enterprises, improve the social credit system, market the interest rate, and perfect the conduction mechanism of monetary policies;
Then analyses the reason why the risk produces from the defect angle of the organization system of the commercial bank and risk supervisory system generally. So there are five countermeasures on how to strengthen the risk management of derivatives trade in commercial bank of our country: To the credit risks , should strengthen credit and restrain system, including completing the social credit system, strengthening the relevant laws and regulations;
With the comparison among venture capital forms, our country should choose the main venture capital form of corporation manufacture and develop the limited partnership manufacture step by step because of the obstacles of exist legislation, the faulti-ness of the social credit system, the lack of mature institution investors and suitable venture capital investors , and the limitations of limited partnership manufacture itself.
, and then suggests to build a comprehensive service system of credit information to facilitate the awarding credit decision, finance regulation, macro management and credit system construction.
Meanwhile some other factors causing the credit risks are also analyzed in detail such as the potential and external ones, including lower capital-adequency-ratio, improper bad-debts-reserve system, economic globalization, foreign banks pressure after China accession to WTO and bad socialcredit system etc.
Concerning the external variables, the thesis make suggestions on constructing a new type of enterprise-bank relationship under the marketing economy framework, co-ordination of the relationship between government and banks, strengthening monitoring functions of the central bank and promoting social creditability system.
The article emphasized the state-owned banks should pay a special attention to the function of bill discount in their credit business in the view of credit security management.To the questions that state-owned banks developed bill discount business very limited at present time,the article analyzed the reasons and suggested to speed up bill discount business through creating more healthy environment,modifying social credit system and improving management of bill discount loan.
The article points out the "debt changing into stock" risks which hav ing finance risk; Banking risk; social credit risk and putting forward keeping a way countermeasures.
The theory of contracting and protective management structure in transaction cost theory combines jurisprudence with economics, analyzes thoroughly the features and functions of contracting and obtains creative achievement in the study of economic organizations. In recent years, latest development has occurred in the theory of contracting and protective management structure, and based on thorough analysis of contract law and organization structure of the enterprise, incomplete contracting and more complicat...
社会信用
social credit
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