The danger of defaulting on obligation is by a long shot the most noteworthy hazard experienced by banks and the accomplishment of their business relies upon precise estimation and productive administration of this risk to a more noteworthy degree than some other risk.The central bank and the Banking Regulatory Commission jointly issued a notice stating that in view of the serious credit risk of Baoshang Bank,it was decided that the central bank and the China Insurance Regulatory Commission would form a takeover group.The company will take over one-year takeover of Baoshang Bank,fully exercise its management rights,and entrust CCB to conduct custody.The debt side relies heavily on inter-bank liabilities.The debt structure of Baoshang Bank is highly dependent on inter-bank liabilities.Overinvestment of receivables on the asset side,the non-performing rate climbed year by year.The non-performing rate increased rapidly.The capital adequacy ratio has been declining year after year.After deducting the reserve capital,it has fallen below the regulatory standards.The ability to resist risks is already at a low level.For some commercial banks with risk concentration and poor management,they will speed up the reorganization and restructuring.Therefore,it is necessary to pay attention to the issue of bank credit risk and the liquidity risk that the contractor bank may bring.