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| Author: | Zhen, Zengjian |
| Title: | Commercial credit risk and its prevention (original in Chinese) |
| Journal: | Commercial Economy and Management (c)
1998 : 3, p.46-47 |
| Index terms: | CREDIT RISK MANAGEMENT |
| Language: | chn |
| Abstract: | The following contribute to the risks facing commercial credit in China at present: 1.intense competition among commercial enterprises and weak ability of making profits; 2.debt-paying crisis caused by commercial circulation enterprises' high debt operating; 3. a sharp contrast between the single loan security mode and credit grade of enterprises; 4.the drain of credit assets of banks due to the high risk investment by commercial enterprises; 5. imperfect financial system and poor quality of managers. In view of the above, we should establish a credit risk-pre- warning mechanism of commercial enterprises, and the internal restricting mechanism of banks. Besides, we should improve credit appraisal system for loaners and implement comprehensive mortgage assets among commercial enterprises. |
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