중국 금융개혁과 기업신용평가제도 발전과제 연구 = Chinese Financial Reform and Corporate Credit Evaluation System

다국어 초록 (Multilingual Abstract)

This study examines China`s financial reform and it`s government owned commercial banks` risk management disciplines, comparing them to those of foreign banks to look for meaningful implications and development repercussions, ultimately touching on the agendas that need to be addressed for the modernization of corporate credit risk evaluation systems. Chinese banks which constituted for 78.9% of the total domestic financial market in 2007, are yet dependent on a deposit-loan margin structure that generates more than 90% of the total revenue. Being exposed to assets` credit risk, improving the soundness of their loan assets is an axial part of their agendas. Improvement of credit risk management to strengthen their competitiveness in a open financial market is especially a good driving force for bank growth. It is urgent that the financial system and practices meet global standards for the structuring and modernization of a corporate credit evaluation system that is specific to China. Thus, structuring of a modern risk management infrastructure such as improvement of internal/external operation environment, innovation of business traditions and systems, and training of professional workforce is an imminent issue. Most of all, it is important that a precise perception of the concept of risk management is shared among the top management level, and the initiatives to innovate the relevant system is carried throughout in accordance.