1.2 The internal causes of the formation of commercial banks’s credit risk in China
1.2.1 The severe lacks of fundamental works of banks and credit archives
At present, the management of many commercial banks is confused, and many basic works have not been done
properly, leading to a serious phenomenon that many credit archive files were lost. Because of the missing of theses
essential questioning and investigating reports concerning the borrowers’ credits, it is difficult for banks to accurately estimate the integrity of the borrower's assets, stability of their incomes and will to repay, and,
accordingly, not only increasing the difficulty of the repayment but also expanding credit risks.