Ocaya (2012) states that credit crisis is a financial market or economic meltdown of borrowing funds to the borrower and not being able to get them back, assessed by a severe shortage of money or credit lead to, among others, accumulation of bad debt, default and bankruptcy of financial institutions. However, experts and economists are unclear about what constitutes a credit crisis. Wall Street defines a credit crisis as a “period during which borrowed funds are difficult to obtain and, even if funds can be obtained, interest rates are very high.” The credit crisis mainly started in 2007. The effect of the credit crisis led to the real estate market falling in some countries, resulting in foreclosures and unemployment. Furthermore, the credit crisis had immediate effects on real estate markets, but it spread to global trade and affected overall global economic growth forecasts, forcing many countries to change growth targets. Although some countries were not severely affected by the credit crisis. This critical discussion or analysis involves a headline on bank CEO incentives that were the main causes of the credit crisis which links to the paper “Bank CEO Incentives and the Credit Crisis” written by Fahlenbrach and Stulz (2011 ) and also other magazines. Fahlenbrach and Stulz (2011) stated that in investigating the justification for the dramatic collapse of equity capital of much of the banking sector in the United States, one of the salient arguments is that bank executives have poor incentive capabilities during the credit crisis. They decide how close the relationship will be between the interests of the bank's CEO and those of its shareholders before the onset of the crisis, if this can describe the performance of banks in the intersection section during the course of the credit. .....Economy al. 99, 11-26. Holt, J. (2009). "A summary of the main causes of the housing bubble and the resulting credit crisis: a non-technical document". Journal of Business Investigation 2009. Vol. 8, no. 1, pp. 120-129. Johnson, L., & Neave, E. (2008). “The Subprime Mortgage Market: Familiar Lessons in a New Context.” Management research news. vol. 31, no. 1, pp. 12 - 26.Michael, T. and Rao, R.P. and Williams, M. (2008). “Bank Mergers, Equity Risk Incentives, and Stock Options for CEOs.” Managerial finance. vol. 34, No. 5, pp. 316 - 327. Michael, T., & Waller, E., & Williams, M. (2008). “Management Incentives and Acquisitions: A Survey of the Literature.” Managerial finance. vol. 34, no. 5, pp. 328 - 341.Ocaya, B. (2012). “The Current Global Credit Crisis: A Review of Its Causes, Effects and Responses.” Journal of Social Sciences. vol. 1, no. 6, pp. 166-177.