论体制性银行风险及其化解的路径选择和制度安排  

Path Selection and Institutional Arrangement of Mitigating lnstitutional Risks for Commercial Bank in China

作　　者：蒋海[1] 齐洁[2] 

机构地区：[1]暨南大学金融系,广东广州510632 [2]中国农业银行广州市分行,广东广州510180

出　　处：《暨南学报（哲学社会科学版）》2001年第2期59-67,共9页Jinan Journal(Philosophy and Social Sciences)

基　　金：暨南大学博士启动基金资助项目!"银企间融资博弈与银行风险分析"的部分研究成果

摘　　要：我国转轨时期的银行风险主要产生于制度缺陷或不完善所导致的体制性风险 ,因此要化解和防范我国商业银行面临的风险 ,必须从产权制度入手 ,建立完善的风险约束制度与机制。本文将阐明我国国有商业银行体制性风险的主要根源和形成机理 ,在此基础上提出防范和化解该类风险的路径选择与制度安排。Shortcomings and inappropriateness of institutional arrangement have led to institutional financial risks during transitional period in China. Therefore we have to mitigate and eliminate these risks by institutional rearrangement and establishing adequate risk control system. This paper, based on the analysis of the causes and characteristics of institutional financial risks, proposes the path selection and institutional arrangement for controlling and mitigating these risks.

关 键 词：体制性风险 国有商业银行 产权制度 制度缺陷 政府 中央银行 风险防范 风险化解 产权结构 

分 类 号：F832.1[经济管理—金融学]