The cow good Geng thinks that China takes charge of organization to have more detailed request and instruction opinion to the risk management.Especially the financial market of China and the conjunction of the international market are more strictly taken charge of, while this kind of had the certain risk the insulation function while taking charge of in the crisis and made Chinese financial market able to lower outside impact, this is in the Asian wholesale New Orleans Hornets snapback financial turmoil, subprime mortgage crisis, and current euro area crisis all have an embodiment.
The cow good Geng says, the Chinese main risk concentrates in the credit risk.In the bank, adopts to recall a loan because of worrying bad Zhang to rise or not to the methods like continuous loan,etc, turned worse the management pressure that the customer faces, this kind of is tired the influence for adding arouses again lately an of chain reaction, cause the whole market again increasing of margin risk.See from customer's angle, the high-quality customer proceeds from the expectation to the market, extension production and investment the will lower, to bank letter loan the need weaken, but face the customer of funds pressure and can not attain the condition of choice customer of bank.Therefore, the whole Qi of economic situation is steady and the instauration of confidence in the market is the foundation that solves risk pressure.
"Under the sistuation that the bank tightens to believe a loan, the folks borrows a growth speed, and can take very high interest rate.The margin of these high cost aggravated the management cost of business enterprise further again and caused letter in the whole market lend risk condition thus further worsen."The cow good Geng says that the current market circumstance entrusts loan and trust cooperation to put loan to all attain history Gao Dian for, although adding bank in September the loan appearing to descend trend, social margin total amount(TSF) the degree being rapid to increase in the third quarter, business enterprise bond, .At the same time, several banks teach to believe to the some big business enterprises, main category purpose too concentrated, may cause chain reaction under the condition of the market condition under the economy, arouse larger system risk.
The cow good Geng means, in addition to the influence of the macroscopic situation, the business sunglasses enterprise of commercial bank teaches letter to also be directly subjected to the problems, such as platform and region(such as Zhe region in river of allied protect)...etc. of the local government margin at the same time or the time living influence.At the same time, also exist letter to the excessively teaching of the personal name Qi in the market, industry concentrated degree high etc. problem.
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