商业银行法律风险及防范  

Legal Risks and Prevention in Commercial Banks

作　　者：侯晓丽 HOU Xiao-li

机构地区：[1]泰国巴吞他尼大学

出　　处：《河北法律职业教育》2025年第4期94-99,共6页HEBEI VOCATIONAL EDUCATION OF LAW

摘　　要：法律风险是商业银行的重要风险来源。新时代我国商业银行风险呈现多元化、国际化、复杂化、扩大化、个人化等特征。根据法律风险的来源不同,商业银行的法律风险可分为内部风险和外部风险,其中,内部风险包括违法风险、治理风险、国际运营风险、创新风险、合同风险、知识产权风险等;外部风险,主要是指商业银行意外的环境、政策风险。当前商业银行法律风险产生的原因是多元化的。对此,要科学认识风险管理的价值,加强法律风险监管,完善风险的识别、评估和控制机制。Legal risks are a significant source of risk for commercial banks.In the new era,risks faced by commercial banks in China are characterized by diversification,internationalization,complexity,expansion,and individualization.Depending on their sources,legal risks in commercial banks can be categorized into internal risks and external risks.Internal risks include compliance risks,governance risks,international operation risks,innovation risks,contract risks,and intellectual property risks,while external risks primarily refer to unexpected environmental and policy risks.The causes of legal risks in commercial banks are multifaceted.Therefore,it is essential to scientifically understand the value of risk management,strengthen legal risk supervision,and improve mechanisms for risk identification,assessment,and control.

关 键 词：商业银行 法律风险 管理 防控 

分 类 号：D922.28[政治法律—经济法学]