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1、精品文档就在这里-------------各类专业好文档，值得你下载，教育，管理，论文，制度，方案手册，应有尽有----------------------------------------------------------------------------------------------------------------------------------------------------------China’sCommercialBanksAccountingRiskCausesandCountermeasuresAbs
2、tract：Atpresent,thehiddenriskshavebeenexposed.OurbankriskofhighlurkinChina,sowhynotbankingcrisiseruptedourbankrisk?Howisthegenerationandaccumulationinthesecondchapter?Keyword：CommercialBank,Risk,Countermeasures.Historicalmaterialsshow:Ledmanycountriestothe20thcentury,haser
3、uptedsincethebankingcrisisismainlyduetofailuretoproperlyresolvethebankingrisks.Chinahasbeenpuzzledbythisproblemallalong,whichbecomesagreathiddendangerthreateningeconomytodevelophealthily.Chinesegovernmenthadtakenaseriesofmeasuresoverthepastseveralyears:Legislationfortheban
4、kingin1994,strengtheningfinancialscrupuloussupervisionafter1996,supplementingcapitalof270billionYuanforfourmajorstate-ownedbanksin1998,establishingassetsmanagementcompanyandstrippingnon-performingassetsof14thousandbillionYuanin1999,etc.Butallthesemeasureshavenottouchedtheu
5、nreasonablesystemfoundationofthebankingsystem,thereforeunabletocontroltheriskincrementfundamentallyandimproveperformance.Atpresent,thehiddenriskshavebeenexposed.InfaceofcompetitionandchallengebroughtbyforeignfinancialinstitutionsafterenteringtheWTOin2006,Government’sdeterm
6、inationtothoroughlyreformthecurrentsystemofstate-ownedbanks,foreignexchangereservestothecentralbanklatelastyear,theBankofChina,ChinaConstructionBankinjected45billionU.S.dollars,enrichtheircapital,soastoachieve“BaselAgreement”underthe8%capitaladequacyrate,topromotejoint-sto
7、ckreformofstate-ownedbanksandtheultimatelistingofafundamentalsolutiontotheproblemofincrementalriskofstate-ownedbanks.Thereforeprobingintothecharacteristicofbankrisk,specialsystematicoriginalcause,joint-stockreformationandadministrationstructurewhichareregardedasprimarymesu
8、reshasimportanttheoreticalandrealisticmeaning.ChapteroneexpoundstheformsofChinabankrisksa
