商业银行风险管理建设再审视  

Reviewing Construction of Risk Management of Commercial Banks

作　　者：李明富 

机构地区：[1]不详

出　　处：《金融电子化》2019年第11期18-18,I0001,共1页Financial Computerizing

摘　　要：风险管理是银行发展的永恒主题,对于国家安全和经济安全具有重要意义。当前,我国银行业风险总体可控,但复杂的宏观形势和变化的监管环境为银行业的发展带来不确定性,多重挑战仍在考验着银行的发展。一是经由同业融资扩张形成的市场流动性风险,进一步转化成货币政策操作在公开市场上面临压力;二是银行紧缩信贷导致的违约风险传递至债券市场和股票市场;三是由于依赖新增利息收入而非资本基础来消化风险损失,银行倾向于实施尝性资产投放策略,导致信用风险进一步扩张。The risk of China's banking industry is at present controllable,overall,while the complicated macro-situation and changing regulatory environment will bring about uncertainty for the development of the banking industry and,multi-tier challenges are still testing the development of banks.The special subject of this issue invites experts of regulatory commissions,commercial banks,research institutes,consulting firms to deliberate and explore in each dimension and from many layers the status quo of the construction and development of risk management of China's commercial banks from the perspectives of theory,method and practice in order to help commercial banks with their high quality development.

关 键 词：利息收入 紧缩信贷 股票市场 监管环境 信用风险 债券市场 银行业风险 投放策略 

分 类 号：F83[经济管理—金融学]