There are many reasons for the credit risk, mainly in the ideological level of employees, internal control system, external environment, business model, equity structure and so on.

Conflict of interest is the root cause of credit risk. By analyzing the possible conflicts of interest in the risk points of honesty and establishing the corresponding strict prevention system, the desire of key positions to seek illegal interests by using their powers can not be realized.

influencing factor

Because of the uneven professional ethics and lax thinking, and because of the huge economic benefits and asset value generated by enterprises, dishonest behaviors such as "eating and taking cards" are easy to occur in many work links. The influence of external environment is mainly manifested in the fact that employees are often disturbed by bad information in society in their daily work, which leads to unstable thoughts and dishonest behaviors. Unique management mode.