Government officials in both countries have enormous influence over contracts and procurement, development and infrastructure projects, loan approvals, real estate transactions, land use rights, and preferences in regulated industries.

FORBES: In China and India, Turbulence and Volatility Are Part Of The Bargain

Overexposure to construction and development loans: The first guideline states that if loans for construction, land development and other land are 100% or more of total risk capital, the institution is considered to have loan concentrations above prudent risk levels, and should have heightened risk management practices.

FORBES: Six Small-Cap Bank Stocks To Avoid