1. The Present Situation of Commercial Banks’ Credit Risk and the Analysis of Its Causes
1.1 The Status Quo
The loan business, in China, has developed rapidly in recent years, but its operation and risk management, to a great extent, still inherits the traditional method of loan business, as a result, there exist some obvious disadvantage.In
western countries loan business has already developed for several decades, it has become a very mature consumer
credit business, and it is worth for our country’s commercial banks to learn from these countries, especially in the
prevention of the credit risk