The current state of China's commercial banks

I recognize that China's commercial banks have made great strides compared to the past. Banks are risky businesses, but the risks of Chinese banks are now uncontrollable. The easiest to control is the market risk, now domestic banks generally pay more attention to this piece, do not bad; credit risk, for enterprise credit, basically still behind the foreign 30 years, now the account managers, are holding the company's statements to assess the customer's grade to issue loans, first of all, China's financial statements credibility is very poor, and secondly, our so-called financial analysis is a simple comparison of a few ratios, the root of no scientific analysis. Secondly, our so-called financial analysis is a simple comparison of several ratios, there is no scientific model at the root, just an excel spreadsheet, in fact, these are all superficial articles, the real decision to be able to lend money in China, but also rely on the relationship. In terms of personal credit, the People's Bank of China is doing personal credit database, we hold credit card consumption and repayment records are in it, this database can be **** enjoy, I believe that personal consumer credit will be China can be a good development of credit business, the risk of controlling good, very low. As far as operational risk is concerned, I think it is the biggest uncontrollable hidden danger, Jun please see a small branch president, you can use very shoddy means to take away hundreds of millions of dollars of customer deposits, you have to know that a large state-owned bank's net profit of a year is only a few billion yuan, but how many branch presidents in the country ya. This is not a problem of individual corrupt people, it is a problem of the system. China's system of government is a highly centralized system of government, a hand can dominate all the resources, too few constraints, so the branch of the hand can blatantly escape with a huge amount of money from customers. This huge operational risk is unavoidable if the corporate culture is not reformed, and it was on this basis that the RBS board recently rejected a proposal to invest 10% in the Bank of China.