The article discusses problems in the banking sector, their causes, resolutions, and consequences. In the past, banks mainly provided easy credit to their founding companies, leading to financial issues. Reforms were implemented in the 1990s to address these problems, including writing off bad debts and rehabilitating troubled banks. However, new banks faced a crisis in 1998 due to risky lending practices. Despite efforts to stabilize the banking sector, internal weaknesses still exist, posing a risk for future problems. The government has spent a significant amount on bank rehabilitation, highlighting the ongoing challenges in the banking industry.