调控转型与银行风险管理应对  

Bank Risk Management Should Response to the Change of Macroeconomic Policies

作　　者：郭江山[1,2] 

机构地区：[1]包商银行博士后科研工作站 [2]河北银行风险管理部

出　　处：《银行家》2014年第2期42-45,6,共4页The Chinese Banker

摘　　要：宏观调控本质是削峰填谷进行逆周期操怍，这种调控的有效性在中国表现的突出特征是矫枉过正，结果是产业结构畸形发展，地方政府和以国有企业为主的市场经营书体负债率高企。当信用体系过多地依赖于政府信用时，金融机构风险就会不断积累、不断膨胀，最终有可能引发经济危机。The nature of macroeconomic regulation and control is to make counter-cyclical operation of pesk load shifting,whose striking feature of the sffectiveness of regulation in China is hypereorrection and whose result is the abnormal developmant of the industrial structure as well as the high debt ratio of local government and state-owned enterprises.When the credit system is too dependent on government credit,the risk of financial institutions will continue to accumulate to accumulate and expand.eventually causing the economic crisis.

关 键 词：银行风险管理 转型 削峰填谷 宏观调控 矫枉过正 畸形发展 产业结构 市场经营 

分 类 号：F124[经济管理—世界经济] F832.3