缺漏英文

At present commercial banks mainly from the credit risk of borrowers and banks of the risks posed the risk of mismanagement of two aspects.(1) the borrower's credit risk1. The borrower's income volatility and the risk of moral hazard. After the payment of loans, some borrowers because revenue has decreased or temporarily unemployed, and other market reasons, not the repayment schedule, although some have repayment ability, but has delayed repayment, the bank credit risks increase significantly.2. Loan borrowers deliberate fraud. Borrowers with illegal possession for the purpose of fabricating funds, projects, etc. false reasons, the economic use of false contracts, the use of false documents, using false certificates of title secured in excess of the value of collateral or other security repeat, bank fraud loans.3. Borrowers multiple loans or overdrafts, leading to increased credit risk. At present, many domestic banks to manage non-standard, the lack of overall co-ordination between departments and exchange mechanism. Some borrowers an opportunity to seize this, submitted incomplete personal information in the various departments of the same bank loan or overdraft longs to increase bank lending risk.(2) banks to operate the credit risk management1. Foundation work is weak, serious gaps in credit files. At present, some confusion in the management of commercial banks, there are a lot of borrowers and the guarantor of financial information, mortgage loan documents, credit after inspection reports, collection notices, and other information gaps. These gaps important document, not only for the analysis of the risk of the loans pose difficulties, but also poses obstacles to recovering loans.2. Loans "three examinations," the weak implementation of the system. "Three examinations," Without doing fine, which is the main reason for the credit risk. First, investigations are often a mere formality before the credits. Some credit officers is provided in accordance with the relevant enterprises to extract text materials, integration, which is superficial, according to the credits before the conclusions of the report has already lost loan security. The loan is reviewed lax. Third, after the loan-to-surface inspection. After the loan-to-check as part of the focus of risk management, credit needs to go to businesses monitor their economic activities and the flow of funds, careful analysis of changes in the risk of their loans. However, many credit officers on the loan is the follow-up management relaxed.3. Lack of systematic management of the banks, which increase the potential risk. Now, domestic commercial bank management level is not high, between various departments lack of systematic information exchange mechanism, with a borrower's credit information scattered in various business sectors, but also a considerable part of the information had not yet been conducted cluster management, thus making it difficult to resource sharing.4. Off-the-book management is serious irregularities. Irregularities unlisted commercial business is the management of bank credit - a critical issue. Its irregular operations mainly taken illegally setting up extra accounts, and indiscriminate use subjects, and adjust accounts around Table scale loans and other forms of real estate investment and major companies or other high-risk areas of revenue.

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