金融监管视角下商业银行信贷资产转让风险透析  

On the Risk in Commercial Bank's Credit Asset Transfer from the Vision of Financial Regulation

作　　者：余宗辉[1] 康锐[1] 李婧博 

机构地区：[1]上海海事大学,上海200135 [2]纽卡斯尔大学,英国NE1 7RU

出　　处：《上海金融》2010年第12期57-60,共4页Shanghai Finance

基　　金：上海海事大学2010年创新基金项目“后危机时代我国商业银行信贷资产转让热潮的法律监管问题研究”(项目编号yc2010003)资助

摘　　要：金融危机过后,我国商业银行为避开银监会强有力的监管,选择资产负债表以外的信贷资产进行转让,从而达到授信额扩张的目的,由此产生的表外风险引起了银监会的警觉。通过银监会第113号《通知》可以看到审慎性经营规则的法律监管制度的缺失,对信贷资产转让背后风险放大的成因分析,是找出相关解决措施的可靠路径。In post-crisis era,China＇s commercial banks,at the aim of evading supervision,transfer credit asset that is off the balance sheet to expand the credit amount.The risk aroused by this operation has drawn the attention of China Banking Regulatory Commission.We can see the absence of legal and regulatory systems embodying prudential operation rules from No.113 Notice promulgated by China Banking Regulatory Commission.The analysis of causes for risk amplification in credit asset transfer is the best approach to find out countermeasures.

关 键 词：信贷资产转让 风险 法律成因 监管 

分 类 号：F832[经济管理—金融学]