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Ocaya (2012) condition that the credit catastrophe is certainly a monetary marketplace or financial crisis of applying for the money to the customer and cannot obtain back again, it evaluated by serious shortage of money or credit bring accumulation of bad debts, defaults and dropping economic establishments among others. Nevertheless, the professionals and economists are unclear as what form a credit crisis. The Wall Street defines a credit crisis as a “period during which borrowed funds are difficult to get and, if funds can find even, interest rates are extremely high”. Credit crisis started in 2007. The effect of the credit crisis has brought fall down on the housing market in some country resulting in foreclosures and unemployment. In addition, the credit catastrophe got instant results on real estate marketplaces but provides spread into global trade and provides affected the general conjecture global financial development, driving development focus on of many countries changing down. Even though they are some countries experienced not really affected by the credit situation seriously. This critical discuss or analysis involves a title of bank CEO incentives were major causes in credit crisis that links to the journal of “Bank CEO incentives and the credit crisis”, written by Fahlenbrach and Stulz (2011) and other journal as well. Fahlenbrach and Stulz (2011) mentioned that analysis of reason for the dramatic fall of the collateral capital of very much of the bank sector in the U.S i9000, one focus on case is usually that loan provider professional offers poor offers during the credit turmoil. They determine how close the romantic relationship between passions of the standard bank CEO will aimed with those of their investors before the starting of the turmoil, whether this can explain banking institutions functionality in the intersect section during the credit c...