存款频频丢失的原因探析及应对策略  

Reasons and Countermeasures for the Frequent Loss of Deposits

作　　者：邓晓霞[1] 孙英隽[1] 

机构地区：[1]上海理工大学管理学院,上海200093

出　　处：《科技和产业》2015年第12期120-123,共4页Science Technology and Industry

基　　金：上海市教委重点学科建设项目(J50504);上海市社科项目(2009BJB031);沪江基金研究基地专项(D14008)

摘　　要：近年来我国商业银行存款丢失事件频频发生并呈现愈演愈烈之势,严重损害储户利益。对这一现象进行深入剖析,发现利率市场化下银行之间日益激烈的竞争、银行内控机制的不完善以及对违规行为处罚规定的法律缺失是导致存款频频丢失的主要原因,进而提出优化银行业务结构以形成差异化竞争、建立完善的银行风险管理和内控机制、完善相关立法以及提高储户安全防范意识等应对策略。In recent years, the loss of deposits in China＇s commercial banks occurred frequently and showed a growing trend, seriously damaging the interests of depositors. It is found that this phenomenon mainly owes to the increasingly fierce competition between banks, the imperfect inter- nal control mechanism and the lack of legal provisions on the punishment of illegal acts. And then it puts forward to optimize the structure of the banking business to form a differentiated competition, establish a sound risk management and internal control mechanism, improve the relevant legislation and improve the safety consciousness of depositors and other coping strategies.

关 键 词：存款丢失 利率市场化 银行风控 法律风险 

分 类 号：F832.22[经济管理—金融学]